Ombudsman’s Determination

Outcome

I do not uphold Mr H’s complaint and no further action is required by either EPF or HPF.

Complaint summary

The Scheme is made up of a series of Funds which are administered by different administrators. Mr H has complained that he has been unable to “consolidate” his EPF and HPF benefits. He says that he will suffer a loss of pension benefits if he is unable to “consolidate” his two pensions.

Ombudsman’s Determination

Outcome

Mr R’s complaint against Prudential is partly upheld, but there is part of the complaint that I do not agree with. To put matters right, Prudential shall pay Mr R £500 in recognition of the significant distress and inconvenience that has been caused.