Standard Life Personal Pension Plan · CAS-105290-N4S0

CAS-105290-N4S0

Ombudsman’s Determination Applicant Mr N

Scheme Standard Life Personal Pension Plan (the Plan)

Respondents Campbell Meyer & Co Limited (the Employer)

Outcome

Complaint summary

Background information, including submissions from the parties

“…that (Mr N’s pension) will be sorted out in 6 months’ time. However, as you will be aware, the company is obliged to enrol you on the Government National Employment Savings Trust (NEST) workplace pension scheme.”

…

1 CAS-105290-N4S0 “I expect you would prefer to continue with your Standard Life policy therefore, under the regulations, you will have to be registered with NEST but you would then write to us (or to NEST) to confirm you do not want to be included in the scheme.”

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“I am sorry that I do not have time to continue a ping pong of emails with you.”

Adjudicator’s Opinion

On 27 August 2024, the Employer responded to the Adjudicator’s Opinion with the following comments;

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The Adjudicator responded to these comments with the following;

The Employer did not accept the Adjudicator’s Opinion, and the complaint was passed to me to consider. I agree with the Adjudicator’s Opinion.

Ombudsman’s decision

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Therefore, I uphold Mr N’s complaint.

Directions To put matters right, the Employer shall, within 28 days of the date of this Determination:

(i) Pay Mr N £1,000 for the serious distress and inconvenience he has experienced.

(ii) Pay £6,250 into Mr N’s Plan account. This figure represents the amount that, according to the figures provided by Mr N, have not been paid into the Plan account. It also includes the employer contributions for the relevant period which should have also been paid but have not been paid to date;

(iii) Establish with the Plan administrator whether the late payment of contributions has meant that fewer units were purchased in Mr N’s Plan account than he would have otherwise secured, had the contributions been paid on time; and

(iv) Pay any reasonable administration fee should the Plan administrator charge a fee for carrying out the above calculation.

Anthony Arter CBE

Deputy Pensions Ombudsman

17 October 2024

5 CAS-105290-N4S0 Appendix 1 Date Employee contributions Employer contributions

May 2020 £208.33 £208.33

June 2020 £208.33 £208.33

July 2020 £208.33 £208.33

August 2020 £208.33 £208.33

September 2020 £208.33 £208.33

October 2020 £208.33 £208.33

November 2020 £208.33 £208.33

December 2020 £208.33 £208.33

January 2021 £208.33 £208.33

February 2021 £208.33 £208.33

March 2021 £208.33 £208.33

April 2021 £208.33 £208.33

May 2021 £208.33 £208.33

June 2021 £208.33 £208.33

July 2021 £208.33 £208.33

August 2021 £208.33 £208.33

September 2021 £208.33 £208.33

October 2021 £208.33 £208.33

November 2021 £208.33 £208.33

December 2021 £208.33 £208.33

January 2022 £208.33 £208.33

February 2022 £208.33 £208.33

March 2022 £208.33 £208.33

April 2022 £208.33 £208.33

May 2022 £208.33 £208.33

6 CAS-105290-N4S0 June 2022 £208.33 £208.33

July 2022 £208.33 £208.33

August 2022 £208.33 £208.33

September 2022 £208.33 £208.33

October 2022 £208.33 £208.33

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