The Financial Services and Pensions Ombudsman can investigate and adjudicate on complaints about pension providers in relation to:

• A. (ii) only
• B. (iii) only
• C. (i) and iii) only
• D. (i), (ii) and iii)

Answer: (C)

The Financial Services and Pensions Ombudsman focuses on how a pension provider handles services within its control, especially the way a pension product is sold or advised and how pension benefits are administered. These are about provider conduct and administration, not about how investments perform in the market. So complaints about the sale or advice given in obtaining a pension, and about the administration and payment of pension benefits, fall within its remit and can be investigated and adjudicated. In contrast, issues about investment performance or fund returns are determined by market outcomes and fall outside the ombudsman’s remedial remit. That’s why the first and third aspects are covered, while the second is not.