Published decisions
2,871
Decision volume in this year-product slice
Year + product analysis
Investment and pensions complaints in 2016
A curated public analysis of Investment and pensions in 2016, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
2,871 published FOS decisions in Investment and pensions during 2016, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
2,871
Decision volume in this year-product slice
Upheld rate
38.4%
1,101 upheld decisions
Latest published decision 30 Dec 2016
Upheld rate
38.4%
1,101 upheld decisions
Leading firm
Barclays Bank Plc
111 decisions
Leading complaint theme
Delay In Claim Handling
582 tagged decisions
Investment and pensions in 2016
2,871 published decisions in the corpus sit in Investment and pensions for 2016. 38.4% of those decisions were upheld, which makes this a strong public cross-section for understanding how one product behaved in one specific year.
Barclays Bank Plc is the most visible firm inside this year-product slice, with 111 published decisions.
- 2016: 2,871 decisions, 38.4% upheld
- Leading complaint theme: Delay In Claim Handling
- Leading precedent signal: Cobs
Firm concentration and issue profile
Barclays Bank Plc, Lloyds Bank PLC, HSBC Bank plc, and others are the firms most often associated with Investment and pensions complaints in 2016. This gives a much tighter public view than the standalone year or product pages alone.
delay in claim handling, affordability assessment failure, communication failure, and others are the strongest complaint-theme signals in this year-product combination.
- Barclays Bank Plc: 111 decisions, 38.7% upheld
- Lloyds Bank PLC: 95 decisions, 27.4% upheld
- HSBC Bank plc: 81 decisions, 23.5% upheld
- Bank of Scotland Plc: 75 decisions, 28.0% upheld
- Legal and General Assurance Society Limited: 74 decisions, 23.0% 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
DRN648566730 Dec 2016Not upheld
Interactive Investor Trading Limited · Investment and pensions
Mr E’s complaint concerns the service he received from Interactive Investor Trading Limited (Interactive). He wants Interactive to obtain replacement share certificates, account for commission and provide financial compensation for the time he spent on the matter.backgr... (2 pages)
View source decisionDRN243259729 Dec 2016Upheld
St. James's Place Wealth Management Plc · Investment and pensions
Mrs Y has power of attorney for Mr G. She complains that St James’s Place Wealth Management Plc (“SJP”) gave unsuitable advice to Mr G in 2015. She also says she wasn’t made aware of the advice, and only found out after the investment had been made. background I issu... (6 pages)
View source decisionDRN337461929 Dec 2016Upheld
Bank of Scotland Plc · Investment and pensions
Mr and Mrs M complain Bank of Scotland plc misled them into investing £35,000 in a product which didn’t protect their capital or necessarily result in any guaranteed return. backgroundIn 2009 Mr and Mrs M were retired and spent most of their monthly income on dai... (6 pages)
View source decisionDRN373401029 Dec 2016Not upheld
Sun Life Assurance Company of Canada (U.K.) Limited · Investment and pensions
Mrs M’s unhappy because Sun Life Assurance Company of Canada (U.K.) Limited won’t give her specific terms of her life insurance policy. Instead, it’s given her a standard terms and conditions document. To resolve her complaint Mrs M wants it to provide her exact term... (2 pages)
View source decisionDRN426027729 Dec 2016Not upheld
HSBC Bank plc · Investment and pensions
Mr J has complained about a ‘Flexilife’ life and critical illness policy he was sold alongside a mortgage by HSBC Bank Plc. He says he was incorrectly told he had to take out the policy to get the mortgage and he’s also unhappy the policy’s monthly premiums have incr... (2 pages)
View source decision