Published decisions
2,029
Decision volume in this year-product slice
Year + product analysis
Investment and pensions complaints in 2019
A curated public analysis of Investment and pensions in 2019, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
2,029 published FOS decisions in Investment and pensions during 2019, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
2,029
Decision volume in this year-product slice
Upheld rate
33.8%
686 upheld decisions
Latest published decision 31 Dec 2019
Upheld rate
33.8%
686 upheld decisions
Leading firm
Aviva Life & Pensions UK Limited
136 decisions
Leading complaint theme
Delay In Claim Handling
498 tagged decisions
Investment and pensions in 2019
2,029 published decisions in the corpus sit in Investment and pensions for 2019. 33.8% 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 136 published decisions.
- 2019: 2,029 decisions, 33.8% upheld
- Leading complaint theme: Delay In Claim Handling
- Leading precedent signal: Cobs
Firm concentration and issue profile
Aviva Life & Pensions UK Limited, Barclays Bank UK PLC, The Prudential Assurance Company Limited, and others are the firms most often associated with Investment and pensions complaints in 2019. 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.
- Aviva Life & Pensions UK Limited: 136 decisions, 21.3% upheld
- Barclays Bank UK PLC: 93 decisions, 44.1% upheld
- The Prudential Assurance Company Limited: 84 decisions, 22.6% upheld
- Phoenix Life Limited: 69 decisions, 15.9% upheld
- Legal and General Assurance Society Limited: 57 decisions, 17.5% 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
DRN868380431 Dec 2019Upheld
Greystone Financial Services Limited · Investment and pensions
Mr B’s complaint is about the suitability of the advice he was given by Greystone Financial Services Limited (‘Greystone’) to transfer out his defined benefit Occupational Pension Scheme (‘OPS’) into a personal pension plan.Mr B has several complaints relating to his pension against Greyst... (11 pages)
View source decisionDRN453732030 Dec 2019Upheld
Chandler King (City) Ltd · Investment and pensions
Mr K has complained about investments recommended by Chandler King (City) Ltd(Chandler King) for his pension.Mr K says £50,000 was invested in a high risk fund of which the adviser was a director. Mr Kalso says his pension portfolio wasn’t balanced and its value went down by about £100,000... (11 pages)
View source decisionDRN125569024 Dec 2019Not upheld
BMO Asset Management Limited · Investment and pensions
Mr H is unhappy that the child trust fund (CTF) he holds for his daughter was held in cash by BMO Asset Management Limited. backgroundIn 2009, Mr H opened a CTF account, and selected the funds to be placed in the Foreign & Commonwealth US Smaller Companies (F&C). In 2013, due to ch... (4 pages)
View source decisionDRN025876123 Dec 2019Not upheld
Aviva Life & Pensions UK Limited · Investment and pensions
Mr and Mrs M complained that Aviva Life & Pensions UK Limited (previously AXA) mis-sold them a mortgage endowment policy. Their complaint was originally made through a claims management company (CMC), who said, amongst others, the policy was mis-sold as they weren’t made aware of the r... (3 pages)
View source decisionDRN190316823 Dec 2019Not upheld
Aviva Life & Pensions UK Limited · Investment and pensions
Mr D complains about Aviva Life & Pensions UK Limited (Aviva). He doesn’t think Aviva have compensated him sufficiently following errors it made regarding his Aviva Platform account.backgroundMr D’s father very sadly passed away on 30 September 2018.On 29 October 2018 Aviva wrote to Mr... (4 pages)
View source decision