Ombudsman’s Determination

Outcome

I do not uphold Mr T’s complaint and no further action is required by J Sainsbury or L&G.

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

Complaint summary

Mr T has complained that L&G refunded his pension contributions to J Sainsbury without his consent.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr E was automatically enrolled into the Scheme. He complains that, because he is over normal retirement age, he is no longer entitled to a refund of contributions and must take Scheme pension benefits.

Ombudsman’s Determination

Outcome

I do not uphold Mr N’s complaint and no further action is required by Kent Police or the Council.

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

Complaint summary

Mr N argues that his agreement to purchase added years within the Scheme has had no value to him, so he would like a return of his additional contributions.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Miss I’s complaint is that the Trustee did not reinstate her Plan benefits or refund her contributions so that she could invest them in a new, private pension scheme.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Ms R says she has deferred benefits under the Scheme. The Trustee has said that it issued a refund of her contributions on 18 October 1983, so the only benefit available under the Scheme is Ms R’s Guaranteed Minimum Pension (GMP).

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr O’s complaint concerns the contributions he paid into the Scheme between 24 March 2014 and 30 September 2015.

He believes the contributions were incorrectly deducted and that he is entitled to a refund because:

a) he paid contributions into the Scheme for less than two years; and

Deputy Ombudsman’s Determination

Outcome

I do not uphold Mr E’s complaint and no further action is required by the Cabinet Office or MyCSP.

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

Ombudsman’s Determination

Outcome

I do not uphold Mr T’s complaint and no further action is required by the Fund

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

Complaint summary

Mr T has complained that he has an entitlement to benefits from the Fund in the form of a return of his employee contributions which he has not received and which the Fund denies.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr M’s complaint is that FIL has refused to refund contributions he made into the Plan following his automatic enrolment. Mr M says that had he been made properly aware that he was being enrolled in the Plan, he would have opted out from the outset.