Ford Salaried Contributory Pension Fund · CAS-30267-B8T4

CAS-30267-B8T4

Ombudsman’s Determination Applicant Mr T

Scheme Ford Salaried Contributory Pension Fund (the Fund)

Respondents Ford Pension Fund Trustees Limited (the Trustee)

Outcome

Complaint summary

Background information, including submissions from the parties

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Adjudicator’s Opinion

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Mr T did not accept the Adjudicator’s Opinion and the complaint was passed to me to consider. Mr T has provided his further comments which do not change the outcome. I agree with the Adjudicator’s Opinion that, on the balance of probabilities, a cheque in respect of a refund of contributions was posted to Mr T’s home address, and I will therefore only respond to the additional key points made by Mr T for completeness.

Mr T says that he lived at several addresses during his employment and Ford claim to have sent the cheque to his home address. If this is true, then a record of the address should exist within their records. Without this evidence he has no reason to believe that the Trustee did indeed follow the Fund rules at the time to process the cheque. Mr T has also asked to be provided with details of the total contributions he paid to the Fund and details of the addresses held for him on Ford’s employment records.

Mr T also says that he is unsure why the only benefit due to him is a refund of contributions and why is he not entitled to a pension when reaching pension age. He would like to see a copy of the rules on this point. Finally, he believes that without any concrete evidence to demonstrate that a cheque was sent, not even a cheque number, this remains an outstanding point and shows a bias towards the Fund.

Ombudsman’s decision

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Therefore, I do not uphold Mr T’s complaint.

Anthony Arter

Pensions Ombudsman 7 October 2019

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