Scottish Widows Complaint: PO-14071

Involving fraudulent evasion of pension encashment by SW, and its brazen cover up by TPO

Introduction

This page contains a complete categorised list of PDF documents, mainly paginated for A4 paper. These include mirrors of the main pages of the website (which are kept in tandem with the web pages for better printouts), and the entire and unedited^§ text of of all relevant correspondence. ^§With the sole exception that my National Insurance Number has been hidden for security reasons.

Nearly all PDF documents are prefixed by a header that contains firstly a summary of the case, and secondly a description of the following content. Their content is graphical in the case of scans (postal items, verification documents), otherwise textual (emails, attachments, online forms, and web page mirrors). With emails and web pages, the PDF target preserves any hyperlinks in the source email or document. I hold all original paper correspondence as evidence.

For emails, the content is generated from Yahoo Mail by copying and pasting into a Word document, then converting to an optimized PDF. I have not modified the textual content in any way (all typos are faithfully preserved), but have found it necessary to improve the formatting (particularly to remove inappropriate blank lines). However, in each case there is a link to the email alone as rendered by Yahoo Mail (much larger, but more authentic); I have provided such links to all emails involved in my case, including wrappers. Also, all my emails are retained on the Yahoo Mail server, and for the purpose of verifying them as evidence, I would issue a temporary password to some appropriate individual to enable direct access to my account.

The first column of each table gives the filename of the document (without .pdf extension), with a hyperlink for download. The number of pages and file size are shown on mouse over. Any date prefix is that on which I sent or received the document. The description is only intended to be sufficient to help identification; the Event Summary page gives fuller descriptions and backgrounds to the documents it references.

General

These mirror the ten main HTML documents of this website.

Correspondence (Scottish Widows)

This gives individual documents that correspond to those given on the Details (SW) page of the website. Paper documents not directly relevant to this case are excluded. The web page includes these peripheral documents (as images only), and supports popup images for more rapid navigation than opening PDF documents.

In each case, the date given is that which appears on the document; however, the list is in chronological order of the date on which I sent or received them. This order is not always the same as that of the document dates. For example, the rejection of my documents dated 14 April arrived well over two months later on 16 June; and whilst the first postal request for documents was sent over a week earlier than this on 6 April, it was not received until 6 July.

Those documents I consider crucial to the case I have described in bold. The originator of each document is given as follows:

Verification

This section contains the exact 8 PDF documents I sent as attachments to my email of 11 April. They include scans of both the original and certified documents. I included original documents in addition, since the certified photocopies were unclear in many places.

Correspondence (TPO)

This is my correspondence with The Pensions Ombudsman.

Correspondence (Other)

This is my remaining correspondence.

Reference

These are some documents referred to on this website, but not part of the correspondence.

There are many other relevant documents, but these should be readily available online. They include the Pension Schemes Act 1993/2017, and documentation relating to the numerous "reforms" introduced by Mr Arter.