Question 11
Is there a time limit on bringing a complaint to you?
There are time limits within which complaints need to be brought to The Pensions Ombudsman. In most cases, applications need to be made to us within three years of the event being complained about, or, if later, within three years of when you were aware of this issue or should have been aware of it.
These time limits can only be extended where reasonable to do so, for example if it can be shown that the complaint was delayed because of serious ill health, pressing family concerns, it was held up with another organisation (such as the Financial Ombudsman Service) or if reasonable continuous and concerted efforts were being made to resolve matters. We may also use our discretion to expand this time limit for new applicants who have been affected by the Coronavirus (COVID-19) situation.
If more than one event is being complained about, it may be that some are within our time limits and others are outside them.
Similarly, if the complaint is about something that a pension scheme does regularly, such as paying annual increases, any failure to pay these more than three years ago, could fall outside of our time limits. But we may be able to consider a complaint about the non-payment of increases during the last three years.
Different time limits apply if your complaint is about a decision made by the Pension Protection Fund or the Financial Assistance Scheme. See 'What are the time limits for a complaint about a decision made by the Pension Protection Fund or the Financial Assistance Scheme?'
Related questions
When someone asks us to look into a problem, they have often been trying to resolve it for some time. A lot of people feel very frustrated or distressed.
We have to be impartial and look into a problem without taking sides. Sometimes a decision that is fair in a legal sense may not seem fair to you personally.
We will always be open and honest with you about how and why we have made our decisions.
Please see our ‘How we investigate complaints’ factsheet for more details on our process and what this means to you.
Before you submit a complaint to us, you need to give the party you think is at fault a chance to put things right.
Many pension schemes or providers have their own complaints process, which is often the best way to make sure your complaint is seen by the relevant people as quickly as possible.
If your complaint is about an occupational pension scheme, you should ask for it to be dealt with under its Internal Dispute Resolution Procedure (IDRP).
See our factsheet ‘Complaining to the party/parties at fault’ for more information.
If you are not sure who you should complain to, please contact us.