Published decisions
8,441
Product-specific decision volume in the public corpus
Product analysis
Pensions and Annuities complaint analysis
A public view of how Pensions and Annuities performs in the published Financial Ombudsman decisions dataset, including volume, outcome mix, firm exposure, and recurring complaint themes.
Upheld rate
53.6%
4,522 upheld decisions
Page summary
8,441 published FOS decisions in Pensions and Annuities, with upheld-rate context, firm exposure, complaint themes, advisory patterns, and representative cases.
Published decisions
8,441
Product-specific decision volume in the public corpus
Upheld rate
53.6%
4,522 upheld decisions
Latest published decision 07 Jul 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
8,441
Product-specific decision volume in the public corpus
Upheld rate
53.6%
4,522 upheld decisions
Leading firm
Aviva Life & Pensions UK Limited
615 decisions
Leading complaint theme
Delay In Claim Handling
966 tagged decisions
Pensions and Annuities in the ombudsman corpus
Analysis8,441 published decisions in this corpus sit within Pensions and Annuities. 53.6% of those decisions were upheld, which makes this a useful public category page for spotting where complaint outcomes have tended to land.
Aviva Life & Pensions UK Limited is the single biggest firm exposure inside Pensions and Annuities in the published decision set. Delay In Claim Handling is the leading complaint theme in the same category.
- Latest year in the product series: 2026
- Leading precedent signal: Cobs
- Advisor uphold-risk signal: high
How the product moved over time
AnalysisPensions and Annuities 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 2026, Pensions and Annuities recorded 133 published decisions with an upheld rate of 46.6%.
- 2026: 133 decisions, 46.6% upheld
- 2025: 1,414 decisions, 45.4% upheld
- 2024: 1,583 decisions, 54.4% upheld
- 2023: 2,416 decisions, 65.3% upheld
- 2022: 1,811 decisions, 50.9% upheld
Themes, precedent signals, and handling implications
Analysisdelay in claim handling, fraud or scam concern, communication failure, and others are the strongest complaint-theme signals in Pensions and Annuities. 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 Pensions and Annuities, including review cobs precedent (appears in 0.9% of cases), review fsma precedent (appears in 0.8% of cases), and others.
- Leading complaint theme: Delay In Claim Handling
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-644743307 Jul 2026Upheld
Scottish Equitable Plc · Pensions and Annuities
My final decision is that I uphold the complaint and direct Scottish Equitable Plc, trading as Aegon, to undertake the above. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr I to accept or reject my decision before 4 August 2026.
View source decisionDRN-629486806 Jul 2026Upheld
INTERESTME FINANCIAL PLANNING LIMITED · Pensions and Annuities
I uphold this complaint and require InterestMe Financial Planning Limited to calculate Mr S’s losses and compensate him as set out above. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr S to accept or reject my decision before 3 August 2026.
View source decisionDRN-630523706 Jul 2026Not upheld
Interactive Investor Services Limited · Pensions and Annuities
For the reasons given, my decision is that Interactive Investors Services Limited trading as Interactive Investor doesn’t need to do anything. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs B and Mr D to accept or reject my decision before 3 August 2026.
View source decisionDRN-639579106 Jul 2026Upheld
Aon UK Limited · Pensions and Annuities
My final decision is that I direct Aon UK Limited, trading as Aon Employee Benefits, to undertake the above. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr E to accept or reject my decision before 3 August 2026.
View source decisionDRN-647526306 Jul 2026Upheld
St. James's Place Wealth Management Plc · Pensions and Annuities
For the above reasons I uphold Mr S’s complaint and direct St. James's Place Wealth Management Plc to put things right as I set out above.
View source decision