Published decisions
2,384
Decision volume in this year-product slice
Year + product analysis
Investment and pensions complaints in 2017
A curated public analysis of Investment and pensions in 2017, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
2,384 published FOS decisions in Investment and pensions during 2017, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
2,384
Decision volume in this year-product slice
Upheld rate
27.4%
653 upheld decisions
Latest published decision 28 Dec 2017
Upheld rate
27.4%
653 upheld decisions
Leading firm
Lloyds Bank PLC
102 decisions
Leading complaint theme
Delay In Claim Handling
549 tagged decisions
Investment and pensions in 2017
2,384 published decisions in the corpus sit in Investment and pensions for 2017. 27.4% of those decisions were upheld, which makes this a strong public cross-section for understanding how one product behaved in one specific year.
Lloyds Bank PLC is the most visible firm inside this year-product slice, with 102 published decisions.
- 2017: 2,384 decisions, 27.4% upheld
- Leading complaint theme: Delay In Claim Handling
- Leading precedent signal: Cobs
Firm concentration and issue profile
Lloyds Bank PLC, The Prudential Assurance Company Limited, Barclays Bank Plc, and others are the firms most often associated with Investment and pensions complaints in 2017. This gives a much tighter public view than the standalone year or product pages alone.
delay in claim handling, affordability assessment failure, fraud or scam concern, and others are the strongest complaint-theme signals in this year-product combination.
- Lloyds Bank PLC: 102 decisions, 23.5% upheld
- The Prudential Assurance Company Limited: 87 decisions, 16.1% upheld
- Barclays Bank Plc: 80 decisions, 31.3% upheld
- HSBC Bank plc: 70 decisions, 18.6% upheld
- National Westminster Bank Plc: 68 decisions, 20.6% 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
DRN057835628 Dec 2017Not upheld
The Prudential Assurance Company Limited · Investment and pensions
Mr A is unhappy that The Prudential Assurance Company Limited (Prudential) transferred two of his pensions to a Cash Fund when neither his independent financial advisor (IFA) nor Mr A asked them to. He’d like Prudential to make up any potential losses incurred while... (3 pages)
View source decisionDRN094148628 Dec 2017Not upheld
The Royal Bank of Scotland Plc · Investment and pensions
Mrs H complains about investments which were sold to her in 2010 by The Royal Bank of Scotland Plc (“RBS”).backgroundIn 2010 Mrs H was in a vulnerable position following the recent loss of her husband. She’s said that RBS repeatedly contacted her around this time and... (3 pages)
View source decisionDRN193679528 Dec 2017Not upheld
Abbey Life Assurance Company Limited · Investment and pensions
Mr and Mrs P complain about a whole-of-life (“WoL”) policy they were sold by Abbey Life Assurance Company Limited (“Abbey Life”) in 1993. They say it wasn’t needed and so it was unsuitable for them.background Abbey Life reviewed the complaint and concluded the WoL po... (2 pages)
View source decisionDRN238474128 Dec 2017Not upheld
The Prudential Assurance Company Limited · Investment and pensions
Mr P is unhappy because he says that The Prudential Assurance Company Limited did not tell him when he took his pension benefits that the life assurance policy attached to his pension would cease. He only found this out later when he received a letter saying that th... (2 pages)
View source decisionDRN250114728 Dec 2017Not upheld
National Westminster Bank Plc · Investment and pensions
Miss L complains that delays by National Westminster Bank Plc in closing her Individual Savings Account (ISA) caused her to incur additional costs.backgroundMiss L had Help to Buy ISA and called NatWest on 2 March 2017 to ask that it be closed. She was told this wou... (2 pages)
View source decision