Product analysis

Investment and pensions complaint analysis

A public view of how Investment and pensions performs in the published Financial Ombudsman decisions dataset, including volume, outcome mix, firm exposure, and recurring complaint themes.

Page summary

21,815 published FOS decisions in Investment and pensions, with upheld-rate context, firm exposure, complaint themes, advisory patterns, and representative cases.

Published decisions

21,815

Product-specific decision volume in the public corpus

Upheld rate

34.0%

7,414 upheld decisions

Latest published decision 04 Oct 2021

Published decisions

21,815

Product-specific decision volume in the public corpus

Upheld rate

34.0%

7,414 upheld decisions

Leading firm

Barclays Bank Plc

831 decisions

Leading complaint theme

Delay In Claim Handling

4,592 tagged decisions

Investment and pensions in the ombudsman corpus

21,815 published decisions in this corpus sit within Investment and pensions. 34.0% of those decisions were upheld, which makes this a useful public category page for spotting where complaint outcomes have tended to land.

Barclays Bank Plc is the single biggest firm exposure inside Investment and pensions in the published decision set. Delay In Claim Handling is the leading complaint theme in the same category.

  • Latest year in the product series: 2021
  • Leading precedent signal: Cobs
  • Advisor risk signal: medium

How the product moved over time

Investment and pensions has a multi-year decision trail in the corpus, which makes it possible to compare recent complaint pressure against earlier years rather than relying on a single snapshot.

In 2021, Investment and pensions recorded 301 published decisions with an upheld rate of 57.5%.

  • 2021: 301 decisions, 57.5% upheld
  • 2020: 1,182 decisions, 44.7% upheld
  • 2019: 2,029 decisions, 33.8% upheld
  • 2018: 2,653 decisions, 32.7% upheld
  • 2017: 2,384 decisions, 27.4% upheld

Themes, precedent signals, and handling implications

delay in claim handling, communication failure, affordability assessment failure, and others are the strongest complaint-theme signals in Investment and pensions. For public analysis, those tags are the closest durable “type” layer available in the dataset.

The existing advisor model also points to recurring handling implications for Investment and pensions, including review cobs precedent (appears in 3.1% of cases), review disp precedent (appears in 2% of cases), and others.

  • Leading complaint theme: Delay In Claim Handling

Representative cases

Recent published decisions in this slice

5 examples shown

DRN323508104 Oct 2021Upheld

Portal Financial Services LLP · Investment and pensions

Mr S has complained about advice he received from Portafina LLP to transfer a local government defined benefit occupational pension scheme (OPS) to a Self-Invested Personal Pension (SIPP). The funds within the SIPP were then used to invest in several unregulated collective investment schem... (15 pages)

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DRN135632410 Sept 2021Upheld

Morgans Ltd · Investment and pensions

Mr D complaints that Morgans Ltd gave him unsuitable advice regarding transferring his Occupational Pension Scheme (OPS) and a subsequent transfer into Income Drawdown. background Mr D says he was first introduced to an adviser at Morgans Ltd through his union in 2002. He’s told us he was ... (8 pages)

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DRN283322010 Sept 2021Upheld

Suffolk Life Pensions Limited · Investment and pensions

Mr W and Ms H have complained about issues that arose when refurbishment works were undertaken to the commercial property held in their SIPPs (self invested personal pensions) with Suffolk Life Pensions Limited. background I’ve considered this complaint before. I issued a provisional decis... (14 pages)

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DRN429256110 Sept 2021Not upheld

Aberdeen Standard Capital Limited · Investment and pensions

Mrs W complains about the performance of the Strategic Investment Allocation (SIA) Fund in a portfolio provided by Aberdeen Standard Capital Limited (“ASC”). background In March 2015, Mrs W was advised to invest over £650,000 of personal savings in an ASC Target Return investment portfolio... (5 pages)

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DRN847635010 Sept 2021Upheld

Portal Financial Services LLP · Investment and pensions

Complaint Miss W has complained about advice she received from Portal Financial Services LLP (‘Portafina’) to transfer a defined benefit occupational pension scheme (‘OPS’) she held with her former employer to a Self-Invested Personal Pension (‘SIPP’). Miss W is being represented by a thir... (13 pages)

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