Ombudsman’s Determination

Outcome

Mr S’ complaint against the Administrator is partly upheld, but there is a part of the complaint I do not agree with. To put matters right (for the part that is upheld) the Administrator shall pay £500 to Mr S for the non-financial injustice he has experienced.

Complaint summary

Mr S’ complaint is that he received an incorrect retirement illustration from the Administrator, which overstated his benefits. He says this led him to retire in May 2018, instead of at age 60 in October 2020, to his financial detriment.

Ombudsman’s Determination

Outcome

I do not uphold Mr D’s complaint and no further action is required by NHS BSA.

Complaint summary

Mr D’s complaint is in two parts. His first complaint concerns the system NHS BSA has in place to notify him of the donations he makes to charity through the Payroll Giving Service (Payroll Giving). He is dissatisfied that he does not receive regular notifications of the payments made on his behalf so that he can keep up to date with the donations he has made, (Complaint 1).

Ombudsman’s Determination

Outcome

I do not uphold Ms S’ complaint and no further action is required by the Trustee and Equiniti.

Complaint Summary

Ms S’ complaint concerns:

• overpayment of a bridging pension that has been offset against arrears of long term (Lifetime) pension.
• alleged mishandling of her subsequent enquiries and provision of conflicting information by Equiniti, the administrators of the Scheme.

Ombudsman’s Determination

Outcome

Mr N’s complaint is upheld and to put matters right Police Scotland shall pay him any arrears of pension to which he is entitled on the assumption he took late retirement on 23 June 2017; together with interest at the base bank rate for the time being quoted by the Bank of England for the period from 23 June 2017, to the date of payment inclusive; and £2,000 for the severe distress and inconvenience he has experienced.

Ombudsman’s Determination

Outcome

I do not uphold Mr N’s complaint and no further action is required by the Bank.

Complaint summary

Mr N has complained that the payment of his contractual pension promise should be made by way of a tax-free lump sum and not by way of annual pension.

Ombudsman’s Determination

Outcome

I do not uphold Mrs S’ complaint and no further action is required by BT PSA or the Trustee.

Complaint summary

Mrs S’ complaint against the Trustee and BT PSA is that:-

Ombudsman’s Determination

Outcome

I do not uphold Mr S’ complaint and no further action is required by the Trustee or the Employer.

Complaint summary

Mr S’ complaint is that he was not informed of the impact of compulsory redundancy on his pension. He argues that he would have appealed against redundancy, if he had known that he would lose the option of claiming an unreduced pension at age 60. Mr S disagrees with the Trustee’s decision to deny him an unreduced pension before age 65.

Ombudsman’s Determination

Outcome

Mr N’s complaint is partially upheld and to put matters right Aviva shall, within 21 days, pay Mr N £500 in respect of the significant distress and inconvenience he has suffered.

Complaint Summary

Mr N has complained that Aviva has not allowed him to continue the life assurance benefit in the Plan beyond his selected retirement date despite being informed that this would be possible.

Ombudsman’s Determination

Outcome

I do not uphold Mr E’s complaint and no further action is required by the Trustee or the Administrator.

Complaint summary

Mr E complains that he received an incorrect annual benefit statement from the Administrator. Mr E would like a review of the error and the impact that this has had on himself and the other affected members.

Ombudsman’s Determination

Outcome

I agree that part, but not all, of the complaint should be upheld. To put matters right for the part that is upheld the Trustee shall: