What we can investigate
If you have a complaint about the management of a pension, it is likely that we will be able to investigate. If, when you have read the following information, you are unsure about whether you can complain to us, feel free to contact us.
We investigate complaints about:
- occupational pension schemes (which are linked to someone’s employment);
- individual pension arrangements, such as personal pensions.
Can we consider your complaint?
We should be able to investigate your complaint if:
You are a:
- current or former member of a pension scheme;
- spouse or dependant of a deceased member or former member of a pension scheme;
- person with a pension credit in respect of a current or former member of a pension scheme;
- person appointed to act on behalf of the estate of someone who was a member or beneficiary of a pension scheme who has died.
And your complaint is against:
- the current or former trustees of a pension scheme;
- a manager of an occupational or personal pension scheme (such as an insurance company);
- a public sector body (those who run statutory schemes);
- an administrator of a pension scheme (although there are exceptions);
- an employer who provides a pension scheme (and the complaint is about the pension scheme).
If you are an employer, a trustee or a manager of a pension scheme and you want to complain in that capacity, then we can look at the following:
- a complaint brought by the trustees or managers of a pension scheme against the trustees or managers of a different pension scheme;
- a complaint brought by the trustee or manager of a pension scheme against a participating employer of a pension scheme;
- a dispute brought by the trustees of a pension scheme against the trustees of the same scheme (as long as the dispute is brought by at least half of the trustees);.
- a complaint brought by an independent trustee appointed by The Pensions Regulator against the trustees of the same scheme;
- a question brought by a sole trustee concerning its functions;
- a complaint brought by the employer of a pension scheme against the trustee or manager of the same scheme.