Complaint summary

Miss Middleton complains that AC Management and Mark Harris have failed to respond to her enquiries about the status and security of her pension, leaving her unable to plan for her future and exercise her transfer rights.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr E has complained that Guardian will not pay him his entitlement that he accrued as a member of the STEP Management Services Limited Pension Scheme, later known as Cobalt (UK) Limited Pensions and Life Assurance Scheme (the Scheme).

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr B has complained that Atkins and the Trustee have not fully met his entitlement to augmented pension benefits under the Plan and which are due under the terms of his employment transfer from Essex County Council (Essex CC) in 1995.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr Y has complained that Atkins and the Trustee have not fully met his entitlement to augmented pension benefits under the Plan and which are due under the terms of his employment transfer from Essex County Council (Essex CC) in 1995.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr S has complained that Atkins and the Trustee have not fully met his entitlement to augmented pension benefits under the Plan and which are due under the terms of his employment transfer from Essex County Council (Essex CC) in 1995.

Ombudsman’s Determination

Outcome

I do not uphold Mr F’s complaint and no further action is required by Pan Trustees and Phoenix.  The complaint is also not upheld against the former company, now no longer existing, KME, or the former Trustees (KME were also the trustees).

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

Ombudsman’s Determination

Outcome

I do not uphold Mr F’s complaint and no further action is required by Pan Trustees Limited and Phoenix Life Limited. The complaint is also not upheld against the former company, now no longer existing, KME, or the former Trustees (KME were also the trustees).

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

Ombudsman’s Determination

Outcome

Mrs I’s complaint is upheld and to put matters right within 21 days NOW: Pensions are to:

• Provide Mrs I with a correct benefit statement showing that all missing contributions have been paid into the Plan;
• Calculate and pay into the Plan any loss of investment growth that Mrs I has suffered for the funds not being in her pension; and
• Pay Mrs I £500 for the distress and inconvenience she has suffered.

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

Ombudsman’s Determination

Outcome

Mr N’s complaint is upheld against Prudential only and to put matters Prudential should calculate the current value of the cash equivalent transfer value of £2,727.02 assuming that it had been paid into the Plan on 29 July 1992 and then transfer this amount to Mr N’s current pension arrangement administered by AEGON.

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

Complaint summary

Mr N complains that either:

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs E’s complaint is that LBG sent her benefit statements containing erroneous information, which she says caused her to suffer a financial loss.