Ombudsman’s Determination

Outcome

I do not uphold Mrs D’s complaint and no further action is required by TP.

Complaint Summary

Mrs D’s complaint is that TP will not reinstate her widow’s pension now she is no longer living with her partner unless she can demonstrate that she is suffering financial hardship. Mrs D says that had she been aware of this, she would not have moved in with her partner in 2015.

Ombudsman’s Determination

Outcome

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

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr A has complained that InvestAcc should not have told him to instruct a solicitor, until it knew whether he would be able to proceed with the purchase of a property (the Property) within the SIPP.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr Y says that Scottish Widows switched his additional voluntary contributions (AVCs) into its loss making Building Society Fund, which is closed to new investors, without his authority.

He was not provided with information on the fund, including the expected rates of return and past performance. The risks associated with investing in the fund were also not explained to him.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mrs S has complained that she was provided with the option to take her benefits as a lump sum through trivial commutation rules, she accepted this but then the option was taken away.

Ombudsman’s Determination

Outcome

I do not uphold Mr Y’s complaint and no further action is required by Invensys Pension Trustee Limited

Complaint summary

Mr Y’s complaint is that the Trustee has unfairly rejected his request for early retirement, because it says that he remains in significant gainful employment. Mr Y argues that he had not previously been informed of the criteria on which the Trustee decides the meaning of “significant gainful employment”. He says that other members in similar circumstances have been allowed to retire early.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr U has complained that he cannot opt out of the Scheme and is unhappy with how NEST have handled his complaint.

Ombudsman’s Determination

Outcome

Mrs S’ complaint against the Trustee and Equiniti is partly upheld. To put matters right (for the part that is upheld) the Trustee shall pay Mrs S £500 for the significant distress and inconvenience she has experienced.

Ombudsman’s Determination

Complaint Summary

The Applicants have complained that they were not informed by either RCT or SWFRS that if they retired from their employment as a Wholetime Duty Firefighter (WDF), taking advantage of their protected pension age (PPA), undertaking other linked employment within 30 days of retirement would invalidate their PPA.

Ombudsman’s Determination

Outcome

I do not agree that this complaint should be upheld and no further action is required by MPF.

Complaint summary

Mr N’s complaint against MPF is that it has not met its statutory obligations to inform him there was a change to the Scheme, namely a reduction to the late retirement factors, and as a consequence he has suffered a financial loss.