Abstract
This paper looks at the requirements for handling complaints under the Financial Services Authority's new rules and guidelines. The likely impact of the new integrated Financial Ombudsman Service (FOS), which will replace eight existing Ombudsman Schemes, is also considered. While the Pensions Ombudsman and the related Pensions Advisory Service (OPAS) will continue to operate separately from the FOS, almost all complaints concerning Group or Individual Personal Pensions will be handled under the new FOS arrangements. Accordingly, this paper will be of relevance to anyone involved in the running of personal pension arrangements.
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