Published decisions
1,182
Decision volume in this year-product slice
Year + product analysis
Investment and pensions complaints in 2020
A curated public analysis of Investment and pensions in 2020, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
1,182 published FOS decisions in Investment and pensions during 2020, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
1,182
Decision volume in this year-product slice
Upheld rate
44.7%
528 upheld decisions
Latest published decision 30 Dec 2020
Upheld rate
44.7%
528 upheld decisions
Leading firm
Aviva Life & Pensions UK Limited
65 decisions
Leading complaint theme
Delay In Claim Handling
370 tagged decisions
Investment and pensions in 2020
1,182 published decisions in the corpus sit in Investment and pensions for 2020. 44.7% 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 65 published decisions.
- 2020: 1,182 decisions, 44.7% upheld
- Leading complaint theme: Delay In Claim Handling
- Leading precedent signal: Cobs
Firm concentration and issue profile
Aviva Life & Pensions UK Limited, The Prudential Assurance Company Limited, Legal and General Assurance Society Limited, and others are the firms most often associated with Investment and pensions complaints in 2020. This gives a much tighter public view than the standalone year or product pages alone.
delay in claim handling, fraud or scam concern, policy wording ambiguity, and others are the strongest complaint-theme signals in this year-product combination.
- Aviva Life & Pensions UK Limited: 65 decisions, 29.2% upheld
- The Prudential Assurance Company Limited: 40 decisions, 35.0% upheld
- Legal and General Assurance Society Limited: 30 decisions, 36.7% upheld
- Phoenix Life Limited: 30 decisions, 20.0% upheld
- Barclays Bank UK PLC: 27 decisions, 44.4% 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
DRN425092030 Dec 2020Upheld
Portafina LLP · Investment and pensions
Mr B says Portafina LLP (‘Portafina’) is responsible for the transfer of his pension in 2011 from a Stakeholder Pension (‘SP’) to a Self-Invested Personal Pension (‘SIPP’) and for the unsuitable investment of the SIPP that followed. background One of our investigators looked into the matte... (7 pages)
View source decisionDRN472954630 Dec 2020Not upheld
Financial Administration Services Limited · Investment and pensions
Complaint Mr K complains that Financial Administration Services Limited (trading as ‘Fidelity’) delayed his switch from an existing self-invested personal pension (‘SIPP’) to another SIPP. Background Mr and Mrs K had separate SIPPs and Individual Savings Accounts (‘ISAs’) that were adminis... (3 pages)
View source decisionDRN049087829 Dec 2020Upheld
Professional Financial Services · Investment and pensions
Mr C complained about the advice by Professional Financial Services (PFS) to invest in the Waste to Energy Partnership (WTEP) within his Self-Invested Personal Pension (SIPP). He believes the investment was unsuitable for him and he has been financially disadvantaged as a result. Professio... (5 pages)
View source decisionDRN322156629 Dec 2020Not upheld
Cheshire Trafford UK Limited · Investment and pensions
Mr T complains that he was given unsuitable advice by Cheshire Trafford UK Limited (CT) to transfer deferred benefits from an occupational pension scheme (OPS) to a self-invested personal pension (SIPP). background Mr T had deferred benefits in an OPS from a former employer. At age 55 he w... (3 pages)
View source decisionDRN142380524 Dec 2020Upheld
Wealthmasters Financial Management Ltd · Investment and pensions
Complaint Mr P complains about advice he received from Mr S. He says that following advice from Mr S – on behalf of Wealthmasters Financial Management Ltd (Wealthmasters) – he withdrew £22,220.05 from a collective investment account he had and invested £20,000 in Green Oil. The Green Oil i... (32 pages)
View source decision