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.

Ombudsman’s Determination

Outcome

I do not uphold Mrs K’s complaint and no further action is required by Veterans UK.

Complaint summary

Mrs K has complained that Veterans UK has declined to award her “attributable benefits” following the death of her husband.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr L’s complaint against the Trustee is that he has not been awarded an ill health retirement pension (IHRP) from the Scheme. Mr L believes that he should have been offered a cooling off period by the Scheme’s administrator (the Administrator) after his pension benefits were crystallised in October 2018, in which he subsequently could have applied for an IHRP.

Ombudsman’s Determination

Outcome

I do not uphold Mr R’s complaint and no further action is required by RBS, the Trustee and Towers Watson.

Complaint summary

Mr R maintains that his retirement was grossly mishandled. As a result of the delays and service issues, he had to use his savings and was denied access to his lump sum.

Mr R says that 75% of his lump sum was earmarked to repay his fixed rate mortgage, which was due to expire on 30 September 2017. He also suffered a loss of interest on the balance of his lump sum of £85,000.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr E complains that he received an incorrect annual benefit statement from the Administrator. Mr E would like a review of the error and the impact that this has had on himself and the other affected members.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr W’s has complained that:-

• As a result of errors by WTW, and the poor level of service it provided, he was not in a position to transfer his benefits from the Scheme earlier.
• The cash equivalent transfer value (CETV) he received was lower than he expected.

Ombudsman’s Determination

Outcome

I do not uphold Mrs N’s complaint and no further action is required by Wills Towers Watson.

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

Complaint summary

Mrs N has complained that she made pension contributions into the Scheme but the Administrator has no record of her.

Ombudsman’s Determination

Outcome

I do not uphold Mr H’s complaint and no further action is required by either EPF or HPF.

Complaint summary

The Scheme is made up of a series of Funds which are administered by different administrators. Mr H has complained that he has been unable to “consolidate” his EPF and HPF benefits. He says that he will suffer a loss of pension benefits if he is unable to “consolidate” his two pensions.

Ombudsman’s Determination

Outcome

I do not uphold Mr Y’s complaint and no further action is required by Invensys Pension Trustee Limited

Complaint summary

Mr Y’s complaint is that the Trustee has unfairly rejected his request for early retirement, because it says that he remains in significant gainful employment. Mr Y argues that he had not previously been informed of the criteria on which the Trustee decides the meaning of “significant gainful employment”. He says that other members in similar circumstances have been allowed to retire early.

Ombudsman’s Determination

Outcome

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

Complaint summary

Ms R has complained that Dentons made incorrect income tax deductions from drawdown pension payments she received between November 2017 and February 2018. As a result, Ms R owes £18,900 in underpaid tax. Ms R would like Dentons to: