The complaint to the Financial Services & Pensions Ombudsman cannot relate to a long‑term financial service if the conduct complained of occurred more than how many years before the complaint is made?

• A. 5 years
• B. 3 years
• C. 6 years
• D. 4 years

Answer: (C)

Time limits govern when you can bring a complaint about long‑term financial services. The key rule is that the conduct you’re complaining about must have happened within six years of you making the complaint; if it occurred earlier than six years, the FSPO won’t consider it. This six-year window helps keep disputes timely and evidence reliable, and it’s the main reason the six-year mark is the correct answer. (There is also a related rule about when you became aware of the issue, but the overarching limit you need to recognize here is six years.)