Published decisions
8,426
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%
4,517 upheld decisions
Page summary
8,426 published FOS decisions in Pensions and Annuities, with upheld-rate context, firm exposure, complaint themes, advisory patterns, and representative cases.
Published decisions
8,426
Product-specific decision volume in the public corpus
Upheld rate
53.6%
4,517 upheld decisions
Latest published decision 21 Apr 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
8,426
Product-specific decision volume in the public corpus
Upheld rate
53.6%
4,517 upheld decisions
Leading firm
Aviva Life & Pensions UK Limited
614 decisions
Leading complaint theme
Delay In Claim Handling
954 tagged decisions
Pensions and Annuities in the ombudsman corpus
Analysis8,426 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 118 published decisions with an upheld rate of 48.3%.
- 2026: 118 decisions, 48.3% 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-581467321 Apr 2026Not upheld
GROVE PENSION SOLUTIONS LTD · Pensions and Annuities
For the reasons explained, I’m not upholding this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr R to accept or reject my decision before 19 May 2026.
View source decisionDRN-614074721 Apr 2026Not upheld
St. James's Place Wealth Management Plc · Pensions and Annuities
I don’t uphold Mr S’s complaint against St. James's Place Wealth Management Plc.
View source decisionDRN-616020621 Apr 2026Upheld
PPA Wealth Ltd · Pensions and Annuities
My decision is I uphold this complaint. PPA Wealth Ltd must put things right as I’ve set out above.
View source decisionDRN-619093621 Apr 2026Upheld
AJ Bell Management Limited · Pensions and Annuities
For the reasons explained I uphold this complaint. AJ Bell Management Limited should calculate and pay redress as set out above.
View source decisionDRN-627338121 Apr 2026Upheld
Sirius Wealth Management LLP · Pensions and Annuities
My final decision is that I uphold Miss L’s complaint. I order Sirius Wealth Management LLP to calculate and pay fair compensation to Miss L as set out under ‘Putting things right’ above.
View source decision