Smart Pension · CAS-90820-K9Z2

CAS-90820-K9Z2

Ombudsman’s Determination Applicant Ms Y

Scheme Smart Pension (the Scheme)

Respondents Ms Nicola Lovell (Ms Lovell) trading as Lovells Housekeeping (the Employer)

Outcome

Complaint summary

Background information, including submissions from the parties

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Adjudicator’s Opinion

36. Ms Lovell did not accept the Adjudicator’s Opinion and the complaint was passed to me to consider.

37. I agree with the Adjudicator’s Opinion.

Ombudsman’s decision

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Directions

Dominic Harris

Pensions Ombudsman

21 June 2024

5 CAS-90820-K9Z2 Appendix Date Employee Employer Contributions Year to Date Contributions

7 May 2021 £8.74 £5.24 Employer = £12.14

Employee = £20.24

18 June 2021 £14.49 £8.69 Employer = £61.67

Employee = £102.81

2 July 2021 £14.49 £8.69 Employer = £77.67

Employee = £129.49

16 July 2021 £5.06 £3.04 Employer = £86.23

Employee = £143.75

25 March 2022 £12.11 £7.27 Employer = £365.46 (End of tax year) Employee = £609.12

8 April 2022 £13.06 £7.84 Employer = £7.84

Employee = £13.06

14 April 2022 £13.65 £8.19 Employer = £16.03 (last payslip) Employee = £26.71

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