Ombudsman’s Determination

Outcome

Mr L’s complaint against the Trustee is partly upheld, but there is part of the complaint I do not agree with. To put matters right, for the part that is upheld the Trustee shall increase its award to £1,000 for the serious distress and inconvenience caused to Mr L.

Complaint summary

Mr L complained that his pension is considerably lower than he was told it would be due to a calculation error made by the Scheme’s previous administrator.

Ombudsman’s Determination

Outcome

I do not uphold Mr K’s complaint and no further action is required by RCN or TPT.

Complaint summary

Mr K complains that RCN and TPT failed to advise him of the late retirement factor (LRF) provided in the Scheme Rules as he was approaching his normal retirement age (NRA) in 2013.

Ombudsman’s Determination

Outcome

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

My reasons for reaching this decision are explained in more detail below.

Ombudsman’s Determination

Outcome

Dr Y’s complaint against ReAssure 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, ReAssure shall pay Dr Y £1,000 for the serious distress and inconvenience this matter has caused him.

Ombudsman’s Determination

Outcome

Ms N’s complaint against SPPA and FPF 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) FPF should award Ms N £1,000 for the serious distress and inconvenience it caused her.

Ombudsman’s Determination

Outcome

I do not uphold Mr E’s complaint and no further action is required by Scottish Widows.

Complaint summary

Mr E has complained that Scottish Widows failed to provide him with sufficient information when the Account was established to enable him to place his pension in a suitably low risk fund. As a result, Mr E invested in an unsuitable fund and suffered a financial loss.

Ombudsman’s Determination

Outcome

Miss K’s complaint against the Hospital 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 Hospital shall pay £500 to Miss K for the non-financial injustice she has experienced.

Complaint summary

Miss K’s complaint concerns the information she was given in the run up to her retirement. Miss K says that she was given misinformation which led her to retire. She contends that this irreversible decision has limited her future income.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr H has complained the Trustee has told him that information provided to him prior to him transferring benefits from the Scheme was incorrect. He says he has been financially disadvantaged as a result and that had he known the correct information he would not have transferred.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr N complained that FA failed to let him know, in a timely manner, that he could transfer his benefits from the Scheme. Mr N wanted to be in the same financial position that he would have been in had he transferred his benefits on retirement.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr S says the Trustee:-