Which of the following best describes the pensions-related complaints the Financial Services and Pensions Ombudsman can investigate?

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

Answer: (C)

The main idea here is understanding what kinds of pensions complaints the Financial Services and Pensions Ombudsman can handle. The ombudsman looks at issues arising from how pension services are provided and administered, including how benefits are calculated and paid and how transfers or other pension processes are managed by a provider. It does not take on every pension-related grievance—only those within its remit, i.e., concerns about the service or outcome that come from the pension provider or scheme, not broader or non-service matters.

So, if items describe complaints about the service delivery or the calculation/award of pension benefits, those fit the ombudsman’s remit. If an item describes something outside that scope—such as a matter not tied to the service provided or to aspects outside pension administration and payment—it's not within its powers.

In this question, the correct choice is the one that includes only the complaints described in the second and third items, because those are the ones that fall under the ombudsman’s ability to investigate.