Ombudsman’s Determination

Outcome

I do not uphold Mrs N’s complaint and no further action is required by Teachers’ Pensions or DfE.

Complaint summary

Mrs N is complaining that she is not receiving the full widow’s pension following the death of her husband, Mr N. Instead she is only receiving a partial benefit based on service from 1972 to 1982, rather than for all of her husband’s teaching service.

Ombudsman’s Determination

Outcome

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

Complaint summary

In summary, Mr N is complaining that NBS Group should have taken action to prevent him from automatically enrolling in the Scheme. As a consequence, he exceeded the Lifetime Allowance (LTA) limits, resulting in excess tax charges payable to HMRC.

Ombudsman’s Determination

Outcome

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

Complaint summary

Miss E has complained that she was not able to commute her benefits from the age of 55. She argued that she was incorrectly told that it was possible for her to commute her benefits at 55; consequently, she borrowed money from her parents in order to fund home improvements.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr A has complained that InvestAcc should not have told him to instruct a solicitor, until it knew whether he would be able to proceed with the purchase of a property (the Property) within the SIPP.

Ombudsman’s Determination

Outcome

I do not uphold Mr Y’s complaint and no further action is required by Scottish Widows.

Complaint summary

Mr Y says that Scottish Widows switched his additional voluntary contributions (AVCs) into its loss making Building Society Fund, which is closed to new investors, without his authority.

He was not provided with information on the fund, including the expected rates of return and past performance. The risks associated with investing in the fund were also not explained to him.

Ombudsman’s Determination

Outcome

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

Complaint Summary

Mrs F complains that she was not reinstated into the State Second Pension (S2P).

Ombudsman’s Determination

Outcome

I do not uphold Mr R’s complaint and no further action is required by the Trustee, RBSPS or WTW.

Complaint summary

Mr R complains that:-

Ombudsman’s Determination

Outcome

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

Complaint summary

Mrs R has complained that she was led to believe she would receive a tax-free cash lump sum of £16,689.88, but she only received £12,625.02.

Ombudsman’s Determination

Complaint Summary

The Estate has complained because the late Mr H was not awarded full commutation of his Scheme benefits on grounds of serious ill-health. The complaint is brought by Mrs H, sister-in-law of the deceased and an executor of the Estate.

Summary of the Ombudsman’s Determination and reasons

The Trustee

In summary, the complaint should not be upheld against the Trustee because:-

Ombudsman’s Determination

Outcome

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

Complaint summary

Ms S has complained that the Respondents are unable to identify any pension benefits in her name that she believes she accrued in the Scheme.