Ombudsman’s Determination

Complaint Summary

Mrs N has complained that Mr Y is obstructing access to her pension by refusing to agree calculations to implement the Pension Sharing Order (PSO) made after their divorce in 2006.

Summary of the Ombudsman’s Determination and reasons

The complaint should be upheld against Mr Y because he has unreasonably failed to agree the calculations in his capacity as the Trustee.

Ombudsman’s Determination

Outcome

Mrs S’ complaint is upheld and to put matters right the Trustees shall pay Mrs S £7,345, comprising: £4,845 for legal costs, £1,000 for IFA costs and £1,500 for distress and inconvenience caused.

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

Complaint summary

Mrs S’ complaint is about the miscalculation of her ex-husband’s pension which was used in the consideration of a Pension Sharing Order (PSO).

Ombudsman’s Determination

Outcome

Mr Y’s complaint against Railways Pension Scheme is partly upheld, but there is a part of the complaint I do not agree with. To put matters right the Scheme shall award Mr Y £1,000 for the serious distress and inconvenience caused.

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

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Ms S has complained because she considers the Trustee failed in its duty of care to her, as it did not inform her of the reduced cash equivalent transfer value (CETV) of her ex-husband’s pension, prior to the finalisation of the pension sharing order (PSO).

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N disagrees with the methodology used by Veterans UK to calculate his pension debit. He says that it results in a higher debit than that specified in the pension sharing order (PSO).

Ombudsman’s Determination

Outcome

Ms N’s complaint against the Cabinet Office and MyCSP 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), MyCSP shall pay redress in respect of the financial loss, and make a distress and inconvenience award to Ms N.