Published decisions
1,414
Decision volume in this year-product slice
Year + product analysis
Investments complaints in 2021
A curated public analysis of Investments in 2021, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
1,414 published FOS decisions in Investments during 2021, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
1,414
Decision volume in this year-product slice
Upheld rate
24.9%
352 upheld decisions
Latest published decision 31 Dec 2021
Upheld rate
24.9%
352 upheld decisions
Leading firm
Aviva Life & Pensions UK Limited
119 decisions
Leading complaint theme
Delay In Claim Handling
177 tagged decisions
Investments in 2021
1,414 published decisions in the corpus sit in Investments for 2021. 24.9% 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 119 published decisions.
- 2021: 1,414 decisions, 24.9% upheld
- Leading complaint theme: Delay In Claim Handling
- Leading precedent signal: Fsma
Firm concentration and issue profile
Aviva Life & Pensions UK Limited, Barclays Bank UK PLC, HSBC UK Bank Plc, and others are the firms most often associated with Investments complaints in 2021. This gives a much tighter public view than the standalone year or product pages alone.
delay in claim handling, non-disclosure or misrepresentation, communication failure, and others are the strongest complaint-theme signals in this year-product combination.
- Aviva Life & Pensions UK Limited: 119 decisions, 14.3% upheld
- Barclays Bank UK PLC: 58 decisions, 12.1% upheld
- HSBC UK Bank Plc: 53 decisions, 13.2% upheld
- Zurich Assurance Ltd: 49 decisions, 36.7% upheld
- Legal and General Assurance Society Limited: 48 decisions, 14.6% upheld
Handling implications and precedent context
The advisory layer for Investments points to recurring handling implications here, including review cobs precedent (appears in 0.3% of cases), review prin precedent (appears in 0.2% of cases), review disp precedent (appears in 0.2% 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
DRN-264823931 Dec 2021Upheld
Aviva Life & Pensions UK Limited · Investments
DRN-2648239 The complaint Mr and Mrs B complain through their representative, a claims management company (CMC), that Aviva Life and Pensions UK Limited gave them unsuitable investment advice. What happened The background to this complaint is well known to both parties so I won’t go over i... (5 pages)
View source decisionDRN-304915031 Dec 2021Upheld
Halifax Share Dealing Limited · Investments
DRN-3049150 The complaint Mrs H complains that Halifax Share Dealing Limited (‘HS’) caused delays to her Stocks and Shares Individual Savings Account (‘ISA’) transfer. What happened On 2 March 2020, HS logged Mrs H’s ISA transfer request. On the same day HS wrote to her current provider, w... (3 pages)
View source decisionDRN-319918231 Dec 2021Not upheld
Clydesdale Bank Plc · Investments
DRN-3199182 The complaint Mr S complains through his representative, a claims management company (CMC), about investment advice he received from Clydesdale Bank Plc. What happened The background of this complaint is well known to both parties, so I won’t go over it in great detail, but the... (3 pages)
View source decisionDRN-302131430 Dec 2021Not upheld
AJ Bell Securities Limited · Investments
DRN-3021314 The complaint Mr C complains that AJ Bell Securities Limited (“AJ Bell”) allowed him to incorrectly sell units in a fund which he no longer held following an ISA transfer from his old ISA provider. He feels AJ Bell should absorb him of any debt owed to it as it was AJ Bell’s er... (3 pages)
View source decisionDRN-310250030 Dec 2021Not upheld
JCT600 Limited · Investments
DRN-3102500 The complaint Mr R complains that he was mis-sold Life Insurance and Critical Insurance Cover (CIC), referred to as “the policy” by JCT600 Limited. He says he was told/led to believe that the policy was a condition of his borrowing, even though he didn’t want or need it. What h... (4 pages)
View source decision