Firm analysis

Scottish Equitable Plc complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Scottish Equitable Plc, including outcome context, product mix, complaint themes, and representative cases.

Page summary

472 published decisions involving Scottish Equitable Plc, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

472

Firm-specific decision volume in the public corpus

Upheld rate

30.9%

146 upheld decisions

Latest published decision 02 Feb 2026

Published decisions

472

Firm-specific decision volume in the public corpus

Upheld rate

30.9%

146 upheld decisions

Leading product

Investment and pensions

222 decisions

Leading complaint theme

Delay In Claim Handling

139 tagged decisions

Scottish Equitable Plc at a glance

Scottish Equitable Plc appears in 472 published decisions in this corpus. 30.9% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Investment and pensions is the firm’s clearest product exposure in the published decisions, with 222 decisions and an upheld rate of 27.0%.

  • Latest active year in the published data: 2026 (1 decisions)
  • Most common complaint theme: Delay In Claim Handling
  • Most common precedent signal: Cobs

Volume and outcome trajectory

Scottish Equitable Plc's decision trail runs from 2013 to 2026. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, Scottish Equitable Plc appeared in 1 published decisions with an upheld rate of 100.0%.

  • 2026: 1 decisions, 100.0% upheld
  • 2025: 58 decisions, 41.4% upheld
  • 2024: 53 decisions, 35.9% upheld
  • 2023: 47 decisions, 27.7% upheld
  • 2022: 34 decisions, 26.5% upheld

Themes, products, and precedent signals

Delay In Claim Handling is the strongest complaint-theme signal tied to Scottish Equitable Plc in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Cobs, Disp, Fsma, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

  • Investment and pensions: 222 decisions
  • Second complaint theme: Non-disclosure Or Misrepresentation
  • Second precedent signal: Disp

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-600586702 Feb 2026Upheld

Scottish Equitable Plc · Pensions and Annuities

For the reasons I’ve set out, I’ve concluded the offer made by Scottish Equitable Plc is fair. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs P to accept or reject my decision before 2 March 2026.

View source decision
DRN-599960530 Dec 2025Not upheld

Scottish Equitable Plc · Pensions and Annuities

DRN-5999605 The complaint Mr K complains that Scottish Equitable Plc trading as Aegon (Aegon) won’t allow him to access his retirement benefits in the way he wants from his pension plan without taking financial advice. He says the cost of that advice would erode too much of his fund and... (5 pages)

View source decision
DRN-595446217 Dec 2025Not upheld

Scottish Equitable Plc · Pensions and Annuities

DRN-5954462 The complaint Mr W complains that Scottish Equitable Plc trading as Aegon (“Aegon”) failed to provide him with online access to information about his pension savings for an extended period of time. What happened Mr W held pension savings with Aegon. He reports that from Sept... (3 pages)

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DRN-601212010 Dec 2025Upheld

Scottish Equitable Plc · Pensions and Annuities

DRN-6012120 The complaint Mrs T complains that Scottish Equitable Plc trading as Aegon (“Aegon”) has failed to assist her by making an application to the Redundancy Payments Service (“RPS”), part of the government agency called the Insolvency Service, for the payment of an employer pens... (5 pages)

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DRN-587363501 Dec 2025Upheld

Scottish Equitable Plc · Pensions and Annuities

DRN-5873635 The complaint Mr A says Scottish Equitable plc trading as Aegon (Scottish Equitable) hasn’t applied contributions to his pension correctly. What happened Mr A had a pension plan with Scottish Equitable. In August 2024 Scottish Equitable upgraded its systems. Unfortunately, ... (3 pages)

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