Case studies

Ms S is a member of the Local Government Pension Scheme. Ms S requested the early release of her deferred pension on grounds of ill health, yet the Scheme repeatedly failed to respond in a timely manner.

Mr E complained that the BAE Systems Executive Pension Fund Trustees Limited (the Trustee) supplied him with incorrect annual deferred benefit statements between 2015 and 2017.

Mr S was consistently told, incorrectly, that he could use his transferred-in Additional Voluntary Contributions (AVCs) to purchase additional pension in the Local Government Pension Scheme (LGPS) when he retired.

Mr A was a retained firefighter and is now a deferred member of the New Firefighters’ Pension Scheme (England). He complained that the Warwickshire Fire and Rescue Authority was not treating his disturbance, work activity and training attendance payments as pensionable.

Mrs Y applied to Shropshire Fire and Rescue Service (SFRS) for ill health early retirement. This was refused and Mrs Y brought her complaint to TPO.

Mrs N had accrued pension benefits under the Transport Friendly Society Pension Scheme and later became a member of the Principal Civil Service Pension Scheme. After enquiring about her pension benefits, she was told these had been transferred to the PCSPS.

Mrs E was a member of the NHS Pension Scheme. Between 1997-2009, Mrs E accrued membership within the 1995 section of the Scheme. Following a break in membership, Mrs E re-joined and was told that future membership would accrue within the 2008 section.

Mrs Y was a member of the HSC Pension Scheme. Mrs Y’s employer provided her with an estimate of her retirement benefits. A mistake was made in calculating Mrs Y’s final pensionable pay which resulted in overstated pension benefits.

Mrs K left the HSBC Bank (UK) Pension Scheme on 17 April 1987. In April 2008, she was incorrectly informed her deferred pension would increase by 3.1% per annum.

Mrs E’s employer auto-enrolled her into an account with National Employment Savings Trust (NEST). Sometime later, Mrs E checked her account and noticed that contributions had not been made.

Mr Y was a member of the Police Pension Scheme. His pension was overpaid by Devon and Cornwall Police because of the late implementation of a Pension Sharing Order (PSO).

Mr F sought help after being told by his pension scheme that he was not entitled to the pension that he had been paid since 2006.