Decides complaints and disputes about the way pension schemes are run (maladministration). Complaints on sales/marketing fall to the FSA. PO is an independent, impartial adjudicator whose decision binds all parties and can be appealed only on a point of law. PO does not become involved in a dispute between a member and his scheme until normal dispute resolution and OPAS involvement have been exhausted. (Visit www.pensionsombudsman.org.uk).