Ombudsman’s Determination

Outcome

Mrs S’s complaint is upheld and to put matters right SRM should pay to the Plan £25,000 plus an amount representing the investment return that could reasonably have been obtained on that sum if it had been invested in the Plan in March 2016, and pay Mrs S £2,500 for her significant distress and inconvenience.

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

Complaint summary

Mrs S’s complaint is that SRM failed to pay contributions to the Plan for her as had been agreed.

Ombudsman’s Determination

Complaint Summary

Mrs N’s complaint, against the College, the School and TP is that she is unable to access her pension benefits from the Scheme which were accrued between 2001 and 2002 because there is no record of her 2001 election to join the Scheme.

Summary of the Ombudsman’s Determination and reasons

The complaint should be upheld against the College but not against the School or TP because:

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Professor M’s complaint is about the changes to the actuarial assumptions and factors used in the calculation of a 1% pension share for his ex-wife. He says that the Trustee has not provided an adequate explanation of the differences between the figures provided on 12 May 2015 and 24 August 2015.

Ombudsman’s Determination

Outcome

I do not uphold Mr Y’s complaint and no further action is required by RBS and the Trustees.

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

Complaint summary

Mr Y disagrees with RBS and the Trustees’ interpretation of the Scheme rules and their decision that he was made voluntarily redundant from his employment with Ulster Bank. He says that his role was at risk of redundancy and therefore this makes him eligible for unreduced retirement benefits from the Scheme.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Dr A’s complaint is that NHS BSA incorrectly calculated her NHS Permanent Injury Benefit (PIB).

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr T’s complaint is that RL reduced the terminal bonus payable under the Plan.

Ombudsman’s Determination

Outcome

Ms N’s complaint is upheld and, to put matters right, NHS BSA should (1) reimburse Ms N in respect of any financial loss she has incurred, and (2) pay £500 for the significant distress and inconvenience she has suffered.

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

Ombudsman’s Determination

Outcome

I do not uphold Ms D’s complaint and no further action is required by the Bank or the Trustees.

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

Complaint summary

Ms D has complained because she is dissatisfied with the way her spouse’s pension has been calculated.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Dr E’s complaint against NHS BSA is about the difference between the figures quoted to her on 15 June 2011 (the June 2011 quotation) for early retirement, and the figures put into payment on 6 February 2013, which were much lower.

Ombudsman’s Determination

Outcome

I do not uphold Mrs E’s complaint and no further action is required by NHSBSA.

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

Complaint summary

Mrs E complains that NHSBSA is wrongly refusing to take into account her first two periods of NHS service from 4 June 1973 to 10 December 1977 and 10 May 1981 to 10 June 1982 in its calculation of the benefits available to her from the Scheme.