Missing NHS pension.from the year 2000.

Marcon

Thank you so much - that made fascinating reading. I got to your last paragraph and was more than delighted in the outcome of the office politics, too. As they say, result!

Mr.Snowman

https://forums.moneysavingexpert.com/discussion/comment/81933361#Comment_81933361

"This has to be the biggest reason i continued.Hopefully it will help others NOT GIVE UP.

Sometimes i felt gaslighted because "maybe I did receive a refund",but this would have triggered a tax event ot some records with HMRC, or "maybe financially it isn't worth it". But now i see the future value of that pension because it is index linked forever and can act like a government guilt/bond. I hope if anyone has a problem with their pension to continue with their complaint.

Mr.Snowman

https://forums.moneysavingexpert.com/discussion/comment/81933580#Comment_81933580

My NHS pension in England was only about two and a half years, so it isn’t worth very much in pension terms.(but atleast it was confirmed it was more than the two years) Because of the short time, I honestly have no idea whether the compensation will amount to much. However, for me it’s worth pursuing purely on an emotional level — not because of the loss of income, but because of the worry, hassle, stress, time, effort, and at times sheer frustration and anger, and the thoughts of giving up, this process has caused.

I originally thought I was being organised by checking on my pension early. Instead, it turned into a long list of excuses: no record of employment, not in the scheme, records were digitised, a manual search is needed, and so on. Letters to Moorfields Eye Hospital were ignored, even when I included a self-addressed envelope. Emails went unanswered. On the rare occasions someone did reply, they said a manager would contact me — but they never did.

At one point I was even sent on a wild goose chase with HMRC.

What really surprised me was that the burden seemed to be placed on me to prove I had been employed and was in the scheme — including the expectation that I would still have payslips from 26 years ago. I don’t know about other people, but I don’t think it’s reasonable to expect staff to keep that level of documentation for decades, especially when the employer and pension scheme or HMRC should have those records.

Luckily, I did manage to find one payslip, which at least shows the pension deduction. Basically the only evidence I had.

Well the NHS pension authority has moved my compensationcomplaint to someone else, so I expect more delays. They said due to the pension changes and high demand, they deal with problems in a queuing system. I expect a low ball offer or even an outright refusal.

One thing that is going for me is they have admitted maladministration and they made some errors in requesting information and that 4 years was excessiveve.

I will update this thread just incase anyone else finds it useful.

GrubbyGirl_2

https://forums.moneysavingexpert.com/discussion/comment/81942511#Comment_81942511

I know you did SARs with your employers but did you ever do a SAR with NHSBSA? I did and I had a huge file sent to me going right back to 1978 when I started paying. There was a page for each month showing my monthly contributions plus lots and lots of other correspondence including quite a few disparaging internal emails moaning about me being a pain in the bum! I also included those emails in my complaint to the Ombudsman which may also have increased my compensation.

Mr.Snowman

Thanks for your reply GrubbyGirl.

I wasn't sure what an SAR was but I have been ignored by Moorfields Hospital.

Maybe i should specifically ask for one.

And i haven asked for a SAR with NHSBSA either.

I wonder how I can go about getting that report.

GrubbyGirl_2

https://forums.moneysavingexpert.com/discussion/comment/81943211#Comment_81943211

Simply say formally to them you are making a Subject Access Request in accordance with the Data Protection Act. They have a lawful duty to reply to you within 28 days and if it's going to take longer because it is a complex request they have to tell you before the 28 days is up. If you use that terminology there is no ambiguity about what you are asking and what they have a legal responsibility to give you. Maybe you should go back to Moorfileds and remind them that you did make a SAR and they have a legal duty to provide within 28 days, but as you have a heart you'll give them another 7 days to comply or you'll be going to the Information Commissioner to complain to them. All NHS organisations know what they need to do.

Oh and by the way, in my day they could charge you for that information, now they can't.

Good Luck

Marcon

https://forums.moneysavingexpert.com/discussion/comment/81943211#Comment_81943211

You can do it via the ICO's website: https://ico.org.uk/for-the-public/make-a-subject-access-request/

Mr.Snowman

I suppose I never put in a "formal request" for an SARR regarding all the communication, but just a simple letter regarding my NHS superannuation. I don't know if that counts as an SAR, but I have decided to go through the ICO's website today.

I kinda have a sense of this being rather petty now, but at the same time, having a sense of wanting to get some payback.

I don't even care if I get compensation, but they used up so much of my time,energy, worry and at times financials, and (dicked me around), not sure if I can say that. But now, I just want to !!!!!! them around or get some payback.

A simple letter, and a reply to put me on the right track would have made me a happy ex-nurse.

When you don't have the knowledge, you realise how disempowered you can be.

Naaargh. I don't care if i have to !!!!!! them around, this is for the next nurse who has problems.

I just don't want to think of how many gave up, especially the nurses with a low pension, which is me. So many may have thought it's just not worth the hassle etc.

Mr.Snowman

https://forums.moneysavingexpert.com/discussion/comment/81943361#Comment_81943361

It's all about putting walls, or friction in front of people, knowing that a certain percentage will give up.Then its drag the feet time. Then you go through some appeal process. Get refused.Then you have to appeal.

i think the studies of financial psychology are responsible for this. LOL.

Well I will certainly expect the hospital to reply to this after years of being blanked.

Infact I'm looking forward to it.

Purplelady65

I’m sure a lot of people would have given up by now. Well done for perservering. NHSBA just don’t seem to be able to deal with queries. I have been waiting for a 23/24 pension input amount statement from them for over a year. They can’t give me any timescales for when I’ll receive it either despite regular chasing. Re the lack of communication from Moorfields you could also write to the Chief Executive detailing the treatment you have received. I work in the NHS and any communication or complaint sent directly to the CE is prioritised and tracked for a response. You will be able to find the name and potentially email address (or be able to work it out from other emails from Moorfields) on the Moorfields website.