Published decisions
4,072
Decision volume in this year-product slice
Year + product analysis
Investment and pensions complaints in 2014
A curated public analysis of Investment and pensions in 2014, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
4,072 published FOS decisions in Investment and pensions during 2014, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
4,072
Decision volume in this year-product slice
Upheld rate
31.1%
1,267 upheld decisions
Latest published decision 29 Dec 2014
Upheld rate
31.1%
1,267 upheld decisions
Leading firm
Aviva Life & Pensions UK Limited
174 decisions
Leading complaint theme
Delay In Claim Handling
727 tagged decisions
Investment and pensions in 2014
4,072 published decisions in the corpus sit in Investment and pensions for 2014. 31.1% of those decisions were upheld, which makes this a strong public cross-section for understanding how one product behaved in one specific year.
Aviva Life & Pensions UK Limited is the most visible firm inside this year-product slice, with 174 published decisions.
- 2014: 4,072 decisions, 31.1% upheld
- Leading complaint theme: Delay In Claim Handling
- Leading precedent signal: Disp
Firm concentration and issue profile
Aviva Life & Pensions UK Limited, Barclays Bank Plc, HSBC Bank plc, and others are the firms most often associated with Investment and pensions complaints in 2014. This gives a much tighter public view than the standalone year or product pages alone.
delay in claim handling, communication failure, affordability assessment failure, and others are the strongest complaint-theme signals in this year-product combination.
- Aviva Life & Pensions UK Limited: 174 decisions, 9.2% upheld
- Barclays Bank Plc: 174 decisions, 27.6% upheld
- HSBC Bank plc: 152 decisions, 22.4% upheld
- Lloyds Bank PLC: 121 decisions, 17.4% upheld
- Legal & General Assurance Society Limited: 116 decisions, 25.9% upheld
Handling implications and precedent context
The advisory layer for Investment and pensions points to recurring handling implications here, including review cobs precedent (appears in 3.1% of cases), review disp precedent (appears in 2% of cases), review fsma precedent (appears in 1.6% of cases), and others.
There is no strong “what loses” signal exposed for this product at the current advisory granularity.
- Leading complaint theme: Delay In Claim Handling
Representative cases
Recent published decisions in this slice
5 examples shown
DRN010521229 Dec 2014Not upheld
PQR Financial Planning Limited · Investment and pensions
Mr and Mrs A complain that PQR Financial Planning Limited did not assess the suitability of their Arch cru funds following the transfer of their investments from Insinger De Beaufort and that they did not recommend that they move away from them. Mr and Mrs A consider that the Arch cr... (2 pages)
View source decisionDRN058829523 Dec 2014Not upheld
BALPA Financial Solutions Limited · Investment and pensions
Mr A’s complaint is that:The investments recommended by BALPA Financial Solutions Limited (“BFS”) exceeded the level of risk he was willing to take, due to an overconcentration in property investments – BFS did not inform him of the associated level of risk. BFS’ advice to trans... (6 pages)
View source decisionDRN089368523 Dec 2014Not upheld
Wilfred T. Fry (Personal Financial Planning) Limit · Investment and pensions
This complaint concerns the offshore bond recommended to Mr and Mrs L by Wilfred T. Fry (Personal Financial Planning) Limited (“the business”). They say they were told this would be accepted by the French authorities as an “assurance vie”, but were later told by the product provider that ... (3 pages)
View source decisionDRN177627823 Dec 2014Upheld
Barnes Independent Financial Advice · Investment and pensions
Mr and Mrs G accepted financial advice given to them by Barnes Independent FinancialAdvice (“the business”) in 2009 to reduce the risk they would be taking because of falls in the stock market. However, they say they have suffered heavy losses to their capital and an unacceptable drop ... (4 pages)
View source decisionDRN197727723 Dec 2014Not upheld
Henderson Global Investors Limited · Investment and pensions
The crux of Mr F’s complaint about Henderson Global Investors Limited is that he has not been receiving regular statements for his investments as he should have.backgroundHenderson previously issued half-yearly statements for Mr F’s investments around April and October of each year and I... (2 pages)
View source decision