Published decisions
1,811
Decision volume in this year-product slice
Year + product analysis
Pensions and Annuities complaints in 2022
A curated public analysis of Pensions and Annuities in 2022, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
1,811 published FOS decisions in Pensions and Annuities during 2022, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
1,811
Decision volume in this year-product slice
Upheld rate
50.9%
921 upheld decisions
Latest published decision 30 Dec 2022
Upheld rate
50.9%
921 upheld decisions
Leading firm
Aviva Life & Pensions UK Limited
122 decisions
Leading complaint theme
Delay In Claim Handling
174 tagged decisions
Pensions and Annuities in 2022
1,811 published decisions in the corpus sit in Pensions and Annuities for 2022. 50.9% 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 122 published decisions.
- 2022: 1,811 decisions, 50.9% upheld
- Leading complaint theme: Delay In Claim Handling
- Leading precedent signal: Cobs
Firm concentration and issue profile
Aviva Life & Pensions UK Limited, Portal Financial Services LLP, The Prudential Assurance Company Limited, and others are the firms most often associated with Pensions and Annuities complaints in 2022. This gives a much tighter public view than the standalone year or product pages alone.
delay in claim handling, fraud or scam concern, communication failure, and others are the strongest complaint-theme signals in this year-product combination.
- Aviva Life & Pensions UK Limited: 122 decisions, 36.9% upheld
- Portal Financial Services LLP: 117 decisions, 92.3% upheld
- The Prudential Assurance Company Limited: 96 decisions, 25.0% upheld
- ReAssure Limited: 92 decisions, 52.2% upheld
- Phoenix Life Limited: 51 decisions, 19.6% upheld
Handling implications and precedent context
The advisory layer for Pensions and Annuities points to recurring handling implications here, including review cobs precedent (appears in 0.9% of cases), review fsma precedent (appears in 0.8% of cases), review prin precedent (appears in 0.7% 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-335333630 Dec 2022Upheld
BeaconIFA Limited · Pensions and Annuities
DRN-3353336 The complaint Mr W complained that he was given unsuitable advice to transfer his defined benefit (DB) British Steel Pension Scheme (BSPS), to a personal pension plan. Beacon IFA Limited is responsible for answering this complaint and so to keep things consistent, I’ll refer ma... (11 pages)
View source decisionDRN-351732930 Dec 2022Upheld
Watkin Davies Insurance Consultants Limited · Pensions and Annuities
DRN-3517329 The complaint Mr E complains about Watkin Davies Insurance Consultants Limited’s advice to switch his pension from Aviva to a self-invested personal pension (SIPP) with LV=. He says that his fund with Aviva was a top ten fund already. If he had been correctly advised to do noth... (6 pages)
View source decisionDRN-361638030 Dec 2022Not upheld
The Royal London Mutual Insurance Society Limited · Pensions and Annuities
DRN-3616380 The complaint Mr G complains that The Royal London Mutual Insurance Society Limited (RL) caused delays to his pension transfer to another provider – provider A. RL has acknowledged it caused delays and has paid Mr G redress following a loss calculation produced by provider A. I... (4 pages)
View source decisionDRN-372433430 Dec 2022Upheld
Portal Financial Services LLP · Pensions and Annuities
DRN-3724334 The complaint Miss B’s complaint concerns advice she received from Portal Financial Services LLP (Portal) to invest in high risk funds. She has reached retirement age and is now unable to access any of the funds within her pension. What happened The details of the complaint are... (8 pages)
View source decisionDRN-378045330 Dec 2022Not upheld
Standard Life Assurance Limited · Pensions and Annuities
DRN-3780453 The complaint Mrs R complains about the poor performance of her stakeholder pension plan which she says is the fault of Standard Life Assurance Limited. What happened In late 2006 Mrs R joined a group stakeholder pension (SHP) with Standard Life. At this time an application was... (3 pages)
View source decision