Complaint Summary

Mrs R has complained that her application for the early payment of her deferred benefits on the grounds of ill health has been declined.

Summary of the Ombudsman’s Determination and reasons

The complaint should be upheld against Trafford because they failed to consider Mrs R’s application for the early payment of her deferred benefits in a proper manner.

Ombudsman’s Determination

Outcome

Mr N’s complaint is upheld and to put matters right T&M should pay compensation to Mr N.

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

Complaint summary

Mr N has complained that T&M delayed in processing a disinvestment of his pension funds and in passing on the resulting proceeds for re-investment, causing him financial loss.

Ombudsman’s Determination

Outcome

Mr S’ complaint is upheld and to put matters right Veterans UK should reconsider Mr S’ 2012 application.

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

Complaint summary

Mr S’ complaint is that he has been refused the early payment of his preserved pension on ill health grounds.

Ombudsman’s Determination

Outcome

Mr Y’s complaint is upheld. To put matters right Aegon should calculate the notional values of Mr Y’s funds, in accordance with the directions at the end of this Determination, and pay the difference between these values and the actual values paid.

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

Ombudsman’s Determination

Outcome

Mr N’s complaint is upheld and to put matters right Mattioli Woods plc should pay redress to Mr N as directed.

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

Complaint summary

Mr N has complained that Mattioli Woods failed to ensure that three pieces of land he intended to purchase through the SIPP were not transferred despite the fact that they have applied annual charges and valuations of the land.

Ombudsman’s Determination

Outcome

Mrs N’s complaint is upheld and to put matters right SPPA should pay redress to her as set out in my directions below.

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

Complaint summary

Mrs N has complained that SPPA provided incorrect information to Old Mutual Wealth, when she transferred her benefits, which resulted in a delay in the investment of her funds and a loss of £5,685.

Ombudsman’s Determination

Outcome

Mrs L’s complaint is upheld against the Council. To put matters right the Council should reconsider Mrs L for ill health retirement at the date her employment ended in November 2012 and pay her £500 for the distress and inconvenience caused.

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

Complaint summary

Mrs L’s complaint is that she has been refused ill health retirement.

Complaint summary

Miss C’s complaint against the Employer and the Trustees is about their decision on the death in service benefits under the Scheme following the death of Mr Paul Bien.

Summary of the Ombudsman’s decision and reasons

The complaint should be upheld against both the Employer and the Trustees because they both misinterpreted the Rules, and the Employer failed to make sufficient enquiries before deciding who Mr Bien’s relatives and dependants were.

Ombudsman’s Determination

Outcome

Mrs D’s complaint is upheld and to put matters right, the Trustee should complete and return the relevant payment instructions form to Abbey Life (the administrators of the Scheme), pay Mrs D a lump sum amounting to the backdated payments that should have been paid from her Normal Retirement Date (NRD) and a further £500 for the distress and inconvenience caused to her.

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

Ombudsman’s Determination

Outcome

Dr S’ complaint is upheld and to put matters right NHS BSA should pay him £500 in recognition of the distress and inconvenience caused by the NHS BSA’s failure in making payments in a timely manner.

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