Our use of cookies

Necessary cookies

We use necessary cookies to make our site work.

Analytics cookies

We'd also like to set analytics cookies to help us improve our website. Using this tool will set a cookie on your device to remember your preferences.

Read more about how we use cookies on our  cookies policy page

Policy version: 03

fos logo horizontal
Skip to content Open search Jump to navigation
Financial Ombudsman

Use Ctrl + / (or ⌘ + / on OSX) to open the search dialog from any page.

  • News and events
  • Decisions and case studies
    • Back
    • Decisions and case studies – overview
    • Ombudsman decisions
    • Case studies
  • Data and insight
    • Back
    • Data and insight – overview
    • Our insight
    • Quarterly complaints data
    • Half-yearly complaints data
    • Annual complaints data
  • FAQs
  • Contact us
  • Who we are
    • Back
    • Who we are - an overview
    • Our aims and values
      • Back
      • Our aims and values
      • Equality, diversity and inclusion
      • Diversity, inclusion and wellbeing report 2019/20
    • Our customer service
      • Back
      • Our customer service
    • How we make decisions
      • Back
      • How we make decisions
    • Governance and funding
      • Back
      • Governance and funding
      • Alternative Dispute Resolution
      • Annual reports and accounts
      • Board meeting minutes
      • Consultations
      • Strategic plans and budget
    • Our strategy
      • Back
      • Our strategy
    • Our work with other organisations
      • Back
      • Our work with other organisations
    • Meet our staff
      • Back
      • Meet our staff
      • Our board of directors
      • Our executive team
      • Our ombudsmen
    • Join us – careers at the ombudsman service
      • Back
      • Join us – careers at the ombudsman service
      • Join us as an apprentice
      • Join us as an investigator
      • Join us as an ombudsman manager
      • Life at the ombudsman service
      • Application process
  • For consumers
    • Back
    • For consumers – an overview
    • How to complain
      • Back
      • How to complain
    • What to expect
      • Back
      • What to expect
      • Who we can help
      • Time limits
      • How long it takes
      • Compensation
      • Compensation for non-financial loss
      • Compensation for financial loss
      • Tax on compensation
    • Who we’ve helped
      • Back
      • Who we’ve helped
    • Complaints we can help with
      • Back
      • Complaints we can help with
      • PPI
      • Fraud and scams
      • Covid-19 (coronavirus)
      • Banking and payments
      • Borrowing money
      • Insurance
      • Investments
      • Mortgages
      • Pensions and annuities
      • Other complaints
  • For businesses
    • Back
    • For businesses – an overview
    • Resolving a complaint
      • Back
      • Resolving a complaint
      • Before we get involved
      • Leaflet for consumers
      • How we handle complaints
      • Understanding compensation
      • Time limits for businesses
      • Case fees
    • Business support & engagement
      • Back
      • Business support & engagement
      • Technical desk
      • Voluntary jurisdiction
    • Complaints we deal with
      • Back
      • Complaints we deal with
      • PPI
      • Fraud and scams
      • Covid-19 (coronavirus)
      • Banking and payments
      • Insurance
      • Consumer credit
      • Mortgages
      • Investments
      • Pensions & annuities
      • Other complaints
  • Search
For businesses

Coronavirus update

Find out how our service is being impacted by Covid-19 (coronavirus), and what this means for your complaint.

Find out more
  1. Home /
  2. For businesses /
  3. Complaints we deal with /
  4. Pensions & annuities /

Workplace pensions

Last updated: 26th January 2021
Print this page
Share this page
  • Send by email
  • Tweet about this
  • Share on LinkedIn
  • Share on Facebook

On this page

  1. Types of complaints we see
  2. What we look at
  3. Handling a complaint like this
  4. Putting things right
  5. Resources

All employers must now organise pension arrangements for the benefit of their eligible employees through auto-enrolment. Historically, only certain employers offered the opportunity of joining a workplace pension.

We can only look at a complaint about a workplace pension if the complaint is about the way it’s been administered by an FCA-regulated pension provider, or if it and/or its investments have been advised upon by an FCA-regulated business.

This excludes many aspects of a final salary or money purchase workplace scheme – but if a consumer feels they’ve been advised incorrectly or unsuitably to transfer from a workplace scheme to a personal pension or Self Invested Personal Pension, we can look at this – and you can find out more about this on our page about workplace pensions transfers.

Complaints about workplace pensions that we can’t look at are dealt with by the Pensions Ombudsman. And we’ll let the consumer know if this is the case.

In general, in addition to transfers from workplace pensions, we can look at complaints about the following:

  • group personal pensions (GPPs) – a type of money purchase arrangement
  • small self-administered schemes (SSASs)
  • executive pension plans (EPPs)

Types of complaints we see

Some complaints we see are common to more than one type of workplace pension. For example, consumers may complain that you:

  • gave them unsuitable advice to start an employer-linked pension scheme such as a SSAS or an EPP
  • didn't administer the pension scheme properly
  • delayed paying their pension benefits or miscalculated them
  • took too long to arrange a workplace pension scheme or arranged it incorrectly
  • inappropriately tied up capital invested in a workplace pension scheme.
  • Group personal pensions (GPPs)

    As GPPs are made up of individual personal pension plans, most of the complaints we see about these arrangements are about the administration of the plans by an FCA-regulated product provider. But we also see cases where a consumer complains about the:

    • individual advice they received – but where a business says they only gave general information to all members of the GPP
    • collective advice a business gave all members of the GPP.
  • Small self-administered schemes (SASSs)

    We see a wide variety of complaints involving SSASs. Consumers may complain that:

    • you took too long to set up the pension arrangement, or set it up incorrectly
    • the investments the business recommended within the arrangement were unsuitable or incurred excessive charges
    • you took too long setting up the annuity payments after the consumer had retired.
  • Executive pension plans (EPPs)

    We see a wide variety of complaints involving EPPs. Consumers may complain that:

    • you advised them to start regular contributions rather than single contributions – and this has led to increased charges and/or an unaffordable commitment
    • you misquoted the tax-free sum or amount of pension income
    • you overpaid the tax-free sum or pension income and now the consumer has to pay back some of it
    • advice to transfer to an executive pension plan led to excessive penalties being applied to their benefits
    • commission for providing advice was excessive.

What we look at

We'll take into account the individual circumstances, and the points and evidence put forward by both sides.

  • Group personal pensions (GPPs)

    We’ll look into the way the plan within the GPP has been administered – and whether errors have been made in that administration. We’ll consider whether, on balance, you did give advice, either individually to the consumer or collectively to the members of the GPP.

    If we decide you did give advice, we’ll assess the suitability of the advice you gave. Find out more about assessing the suitability of investments. If we decide you didn’t give advice, we’ll still look at whether the information you gave was clear, fair and not misleading.

  • Small self-administered schemes (SSASs)

    We’ll take into account the:

    • rules governing the scheme that were in place at the time of the dispute
    • members’ rights and duties of the trustees
    • general suitability of the advice you gave.

    If we decide you didn’t give advice, we’ll still look at whether the information you gave was clear, fair and not misleading.

  • Executive pension plans (EPPs)

    We’ll take into account:

    • whether an EPP was the right type of pension scheme in the circumstances
    • whether the investments within the EPP were suitable
    • what information you gave to the consumer when the executive pension arrangement was set up and whether it was clear, fair and not misleading
    • (and if relevant) whether the consumer was likely to be able to meet any regular premium commitments.

Handling a complaint like this

We only look at complaints that you've had a chance to look at first, so that you have the chance to put things right. If a consumer complains and you don't respond to them within the time limits or they're not happy with your decision, they can come to us. 

Find out more about how to resolve a complaint. 

Putting things right

When we uphold a consumer’s complaint, we’ll tell you what you need to do to put things right.

For complaints about the administration of a GPP, this could take the form of reconstructing the value of a policy if contributions have been applied late ­– which may involve the GPP provider applying extra units to a plan. If documents have been sent to a wrong address, or originals have been mislaid, we might make an award for the inconvenience this has caused, or to cover the cost of replacing the originals.

For complaints involving an SSAS or EPP, if they involve administration issues the redress would be particular to what has gone wrong. If we decide that the investments within those plans are unsuitable, redress could take the form of financial compensation paid to the pension plan or directly to the consumer, and/or reconstructing pension plans where possible. ­

We may also make an award for any trouble or upset caused. Find out more about how we award compensation. 

Resources

Businesses and consumer advisers can contact our technical desk on 020 7964 1400 for general information on how the ombudsman might look at a particular complaint, or for guidance on our rules and how we work. Or you can search our database of published ombudsman's decisions.

Our work gives us an insight into how complaints arise and how they might be avoided in the future. Find out more about the ways we share our knowledge and experience.

If you’re a consumer, you can read more about how to complain and the complaints we can help with or call us on 0800 023 4567.

Back to top
Print this page
Share this page
  • Send by email
  • Tweet about this
  • Share on LinkedIn
  • Share on Facebook

Call us

Our phone lines are open
8am – 5pm on Monday to Friday.
At times, you might need to wait
to speak to someone.




Get in touch

0800 023 4567

Connect with us

  • Follow us on Facebook
    Follow us on Facebook
  • Follow us on LinkedIn
    Follow us on LinkedIn
  • Follow us on Youtube
    Follow us on Youtube
  • Follow us on Twitter
    Follow us on Twitter
  • Accessibility
  • Join us: careers
  • Corporate information
  • Legal info
  • Cymraeg
  • Privacy policy
  • Freedom of information
  • Procurement
  • Cookies
  • Data protection and SARs
  • The Modern Slavery Act

©2021 Financial Ombudsman Service