From the day you join the pension scheme, decisions are made under the pension scheme rules that affect you (or your dependants). When you are notified of a decision, you should check, as far as you can, that it is based on the correct details and that you agree with the decision.
If you are not happy with the way your pension scheme membership has been dealt with, or the service you have received from us, please let us know as most problems can be sorted out quickly. We are happy to put right any mistake that may have occurred and an informal enquiry of this kind may save you a lot of time and trouble.
Phone: 01962 845588
- How do I make a formal complaint?
If you want to make a formal complaint about a decision that has been made in relation to your pension, or about the service that you have received from us, write to:
Director of Corporate Resources
- What happens and how long will it take?
The complaint will be investigated by a senior manager and a full reply will be given to you. If we’ve got something wrong, we will do our best to put it right. We will admit our mistakes and offer a full apology. We will review our policies and procedures to try and stop it happening again.
We will acknowledge your complaint within five working days from the date of receipt and tell you how long it will take to give you a full reply. We try to respond quickly to complaints and to reply to you within 20 working days.
Sometimes, due to the complexity of the complaint, we will not be able to meet this timescale. If this happens we will write to you and keep you fully informed of the progress being made.
- Internal Dispute Resolution Procedure (IDRP)
Making an informal enquiry, or formal complaint, does not affect your statutory right to have your dispute heard under the Internal Dispute Resolution Procedure (IDRP).
You can use the IDRP if you are not happy with any decision affecting you made in relation to the Scheme. You also have the right to use the procedure if a decision should have been made by your employer or administering authority, but it hasn't been.
The IDRP is a process in which the decision which has been made is reviewed by an independent person.
- Who can use the IDRP?
You can use the formal process if you are:
An active, deferred or pensioner member
Someone who is paying into the scheme, or who used to pay in, or who is receiving a pension.
A prospective member
Someone who is not yet a member, but could become one if their employer brings them in or they choose to join.
Someone who is the widow, widower, surviving civil or nominated partner, or a child of a member or prospective member.
You can also use this process if you think you should fall into one of these categories, or you did so in the last six months.
You can choose to have someone else represent you. This representative can be whoever you like such as friend, relative, solicitor or union representative.
- Submit complaint via the IDRP
You must put a dispute in writing and send it within six months of receiving the decision you are disputing, to the:
Police Finance Compliance
Your complaint will be considered carefully by an Accountable Officer nominated by the Chief Constable. That person is required to give you their decision in writing, within two months of receiving your appeal.
If the nominated person's decision is contrary to the decision you complained about, the employer or administering authority who made that original decision will now have to deal with your case in accordance with the nominated person's decision.
Any decision must be given to you in writing, stating the legislation relied upon.
- Help and support
At any stage, you can contact the Pensions Advisory Service for help and advice regarding your pension. Their contact details are:
The Pensions Advisory Service
11 Belgrave Road
Phone: 0300 123 1047
- Further route of appeal
If the dispute or complaint cannot be resolved by the IDRP process or after intervention by The Pensions Advisory Service (TPAS) then you can apply for an adjudication to the Pensions Ombudsman within three years of the event which gave rise to the complaint.
The Pensions Ombudsman can investigate and determine any complaint or dispute involving maladministration or matters of fact or law. Their decision is final and binding, but matters where legal proceedings have already started cannot be investigated.
The Pensions Ombudsman solely deals with pension complaints and can help if you have a complaint or dispute about the administration (including transfers/conversion) and/or management of personal and occupational pensions.
The types of pension arrangements the Pensions Ombudsman looks at includes:
- executive, group, and personal pension plans
- self-invested personal pensions (SIPP)
- small self-administered pension schemes
- workplace, employer, and stakeholder pension schemes
- free standing additional voluntary contribution schemes
- annuities and section 32 buy-out policies
Some examples of types of complaints the Pension Ombudsman considers include:
- auto enrolment
- benefits: incorrect calculation/refusal/failure to pay or late payment
- death benefits
- failure to provide information/act on instructions
- fund switches
- guaranteed Annuity Rate
- ill health
- interpretation of scheme rules/policy terms
- Payment/pension increases
- pension liberation
- transfers: general
- winding up
- with-profits issues
There is no financial limit on the amount of money that The Pensions Ombudsman can make a party award you. Its determinations are legally binding on all the parties and are enforceable in court.
Contact with The Pensions Ombudsman about a complaint needs to be made within three years of when the event(s) you are complaining about happened. If later, within three years of when you first knew about it (or ought to have known about it). There is discretion for those time limits to be extended.