Ombudsman’s Determination

Outcome

Mr T’s complaint against the Trustees and JLT 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, JLT shall pay Mr T £500 for the significant distress and inconvenience he has suffered.

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

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr W’s complaint concerns the change in the revaluation basis of deferred benefits from Retail Prices Index (RPI) to Consumer Prices Index (CPI), which was announced to members in March 2017, with an amended announcement being issued in July 2017.

Ombudsman’s Determination

Outcome

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

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

Ombudsman’s Determination

Outcome

I do not uphold Mr E’s complaint and no further action is required by the Principal Employer or the Trustees.

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

Complaint summary

Mr E’s complaint is that the index used for pension increases for TCS Members of the Scheme has been changed from the Retail Prices Index (RPI) to the Consumer Prices Index (CPI).

Ombudsman’s Determination

Outcome

I do not uphold the Applicants’ complaint and no further action is required by the Trustees.

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

Complaint summary

The Applicants’ complaint is about the decision of the Trustees to alter the rate of increase of their pension from the Retail Prices Index (RPI) to the Consumer Prices Index (CPI).

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr L’s complaint is that the index used for pension increases has changed from the Retail Prices Index (RPI) to the Consumer Prices Index (CPI).

Ombudsman’s Determination

Outcome

I do not uphold Mr S’ complaint and no further action is required by PAN.

Complaint summary

Mr S has complained that the index used for pension increases has changed from the Retail Prices Index (RPI) to the Consumer Price Index (CPI). Mr S has also made a number of other comments regarding the change to CPI including:-

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr N has complained that, since 2011, his pension has been increased by reference to the Consumer Prices Index (CPI), rather than the Retail Prices Index (RPI). Mr N says he was given misleading information about pensions increases in 1992 and he relied on this information to his detriment.

Ombudsman’s Determination

Complaint Summary

Mr L’s complaint concerns the Trustee’s decision in exercising its discretion to change the index used for future increases on pensions in payment. Mr L argues that:-