You can contact Nestlé Pensions in one of the following ways:

If things go wrong

If you have any queries about the Fund or your benefits, you can write to us and we’ll always try to give you a quick and accurate response. If you aren’t satisfied with the response you get, though, the Fund runs a formal internal dispute resolution procedure to resolve any disputes between the Fund and its members, prospective members and beneficiaries.

When you contact us, you’ll need to ask for an application form to submit your complaint for consideration. Once you’ve submitted your form, you’ll get a written decision and explanation from, wherever possible, within two months. If you’re not satisfied with our response, you have six months to appeal to the Trustees in a stage 2 application. The Trustees will normally try to get back to you within four months. If you aren’t satisfied with the Trustees’ decision, you can refer your complaint to the Pensions Ombudsman.

The Pensions Ombudsman

The Pensions Ombudsman is an independent organisation which was set up to investigate complaints about how pension schemes are run. It has the legal powers to make decisions that are final, binding and enforceable in court. If you’ve been through our internal dispute resolution process and you’d like to complain to the Ombudsman, you’ll need to do so within three years of the event that you’re complaining about. They will then work to:

• investigate the case,
• establish the facts, and
• make a decision

You can contact them through their website at pensions-ombudsman.org.uk

You can also call them on 0800 917 4487 or write to them at:

The Pensions Ombudsman
10 South Colonnade
Canary Wharf
E14 4PU

Useful contacts

The Pensions Regulator

The Pensions Regulator regulates how occupational pension arrangements like the Fund are run. It can intervene if trustees, employers or professional advisers have failed in their duties. You can find out more on The Pensions Regulator’s website.

Go to thepensionsregulator.gov.uk

You can also contact them by post at:

The Pensions Regulator
Napier House
Trafalgar Place
Brighton BN1 4DW

Pension Tracing Service

If you have lost track of a pension you can trace it using the Pension Tracing Service website.

Go to gov.uk/find-lost-pension

You can also call the Pension Tracing Service on 0800 731 0193, or write to them at:

Pension Tracing Service
The Pension Service 9
Mail Handling Site A
Wolverhampton, WV98 1LU

Find out more about the state pension

Visit the government’s information website for information on the state pension, including how much you’re due to receive and when you’ll be paid it.

Go to gov.uk/state-pension

Find out more about workplace pensions

The government’s information website also has a section on workplace pension schemes, including automatic enrolment.

Go to gov.uk/workplace-pensions

Who regulates pensions in the UK?

The Financial Conduct Authority

The Financial Conduct Authority (FCA) regulates the financial services industry in the UK and provides information for consumers about all aspects of financial planning, including how to find an adviser and what questions to ask. You can find out more on their website.

Go to fca.org.uk

You can also call the FCA on 0800 111 6768

Regulated financial advice

Neither Nestlé nor the Trustees can give you financial advice about your pension or investments. If you’d like help when you’re considering your options, you can speak to a regulated financial adviser. You can use Unbiased to help you find one near you.

Go to unbiased.co.uk

MoneyHelper

MoneyHelper is a government-backed service that aims to make your money and pension choices clearer. It provides guidance on your money and pensions, and can also point you to trusted services if you need more support.

Go to moneyhelper.org

Money Helper also includes Pension Wise – a government service that offers free, impartial guidance about your defined contribution (DC) pension options.

An appointment with Pension Wise is free, will help you understand what your overall financial situation will be when you retire and could help you make important retirement decisions.

Find out more about Pension Wise and book your free appointment at moneyhelper.org.uk/pensionwise.