Published decisions
8,368
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
53.7%
4,494 upheld decisions
Page summary
8,368 published FOS decisions in Pensions and Annuities, with upheld-rate context, firm exposure, complaint themes, advisory patterns, and representative cases.
Published decisions
8,368
Product-specific decision volume in the public corpus
Upheld rate
53.7%
4,494 upheld decisions
Latest published decision 17 Mar 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
8,368
Product-specific decision volume in the public corpus
Upheld rate
53.7%
4,494 upheld decisions
Leading firm
Aviva Life & Pensions UK Limited
608 decisions
Leading complaint theme
Delay In Claim Handling
919 tagged decisions
Pensions and Annuities in the ombudsman corpus
Analysis8,368 published decisions in this corpus sit within Pensions and Annuities. 53.7% 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 60 published decisions with an upheld rate of 56.7%.
- 2026: 60 decisions, 56.7% 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, non-disclosure or misrepresentation, 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-530808117 Mar 2026Not upheld
Westerby Trustee Services Limited · Pensions and Annuities
For the above reasons, I’m not asking Westerby Trustee Services Limited to do anything. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr L to accept or reject my decision before 14 April 2026.
View source decisionDRN-574461517 Mar 2026Upheld
Scottish Equitable Plc · Pensions and Annuities
I uphold the complaint. My decision is that Scottish Equitable Plc trading as AEGON should pay the amount calculated as set out above.
View source decisionDRN-616968617 Mar 2026Upheld
SUCCESSION WEALTH MANAGEMENT LIMITED · Pensions and Annuities
For the reasons that I’ve given my decision is that SUCCESSION WEALTH MANAGEMENT LIMITED trading as Succession Wealth should pay Mrs G £500. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs G to accept or reject my decision before 14 April 2026.
View source decisionDRN-620596817 Mar 2026Not upheld
Scottish Equitable Plc · Pensions and Annuities
For the reasons explained above, I don’t uphold the complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs A to accept or reject my decision before 14 April 2026.
View source decisionDRN-596972316 Mar 2026Not upheld
Ascot Lloyd Limited · Pensions and Annuities
For the reasons explained, I do not uphold this complaint and make no award. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr Y to accept or reject my decision before 13 April 2026.
View source decision