Published decisions
1,414
Decision volume in this year-product slice
Year + product analysis
Pensions and Annuities complaints in 2025
A curated public analysis of Pensions and Annuities in 2025, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
1,414 published FOS decisions in Pensions and Annuities during 2025, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
1,414
Decision volume in this year-product slice
Upheld rate
45.4%
642 upheld decisions
Latest published decision 30 Dec 2025
Upheld rate
45.4%
642 upheld decisions
Leading firm
Aviva Life & Pensions UK Limited
145 decisions
Leading complaint theme
Delay In Claim Handling
159 tagged decisions
Pensions and Annuities in 2025
1,414 published decisions in the corpus sit in Pensions and Annuities for 2025. 45.4% 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 145 published decisions.
- 2025: 1,414 decisions, 45.4% upheld
- Leading complaint theme: Delay In Claim Handling
- Leading precedent signal: Disp
Firm concentration and issue profile
Aviva Life & Pensions UK Limited, Phoenix Life Limited, Scottish Widows Limited, and others are the firms most often associated with Pensions and Annuities complaints in 2025. This gives a much tighter public view than the standalone year or product pages alone.
delay in claim handling, fraud or scam concern, non-disclosure or misrepresentation, and others are the strongest complaint-theme signals in this year-product combination.
- Aviva Life & Pensions UK Limited: 145 decisions, 46.2% upheld
- Phoenix Life Limited: 90 decisions, 33.3% upheld
- Scottish Widows Limited: 87 decisions, 25.3% upheld
- The Prudential Assurance Company Limited: 72 decisions, 20.8% upheld
- St. James's Place Wealth Management Plc: 65 decisions, 44.6% 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-598257430 Dec 2025Not upheld
Prudential Pensions Limited · Pensions and Annuities
DRN-5982574 The complaint Mr H complains that his premiums to his Prudential Free-Standing Additional Voluntary Contribution (FSAVC) pension plan stopped when he reached his normal retirement date, even though he had contacted Prudential to tell it he wanted them to continue. What happe... (4 pages)
View source decisionDRN-598808030 Dec 2025Not upheld
My Pension Expert Limited · Pensions and Annuities
DRN-5988080 The complaint Mr R complains about the service provided by My Pension Expert Limited (MPE) when arranging an enhanced annuity. He contends that because MPE failed to properly amend the annuity quote it obtained from Scottish Widows for his revised medical information, he has... (7 pages)
View source decisionDRN-599960530 Dec 2025Not upheld
Scottish Equitable Plc · Pensions and Annuities
DRN-5999605 The complaint Mr K complains that Scottish Equitable Plc trading as Aegon (Aegon) won’t allow him to access his retirement benefits in the way he wants from his pension plan without taking financial advice. He says the cost of that advice would erode too much of his fund and... (5 pages)
View source decisionDRN-602931430 Dec 2025Not upheld
Liverpool Victoria Financial Services Limited · Pensions and Annuities
DRN-6029314 The complaint Mr P complains that he was misadvised by Liverpool Victoria Financial Services Limited to contract out of the State Earnings Related Pension Scheme (SERPS) and take out an Appropriate Personal Pension (APP) policy. What happened Mr P’s complaint was considered... (3 pages)
View source decisionDRN-604770130 Dec 2025Not upheld
Interactive Brokers (U.K.) Limited · Pensions and Annuities
DRN-6047701 The complaint Mr N complains that Interactive Brokers (U.K.) Limited (‘IBUK’) didn’t tell him at any point about its decision to restrict the types of trade customers using their self-invested personal pension (‘SIPP’) could make. He says this prevented him from executing hi... (6 pages)
View source decision