The FCA oversees the consumer redress process which intends to put consumers back into the financial position they would have been in if unsuitable advice had not been given.45 Consumers must raise complaints directly with advice firms or the FOS within six years of receiving unsuitable advice. However, BSPS members face significant delays in receiving compensation and those that have not yet raised complaints risk falling victim to the six-year limitation period.46 The FOS is yet to resolve 480 complaints and, due to 37 Q 48 (13 June) 38 Qq 77, 78 (27 April) 39 Q 110 (27 April) 40 Q 30 (27 April) 41 Q 26 (27 April) 42 C&AG’s Report, para 2.14 43 Q 77 (27 April) 44 Q 110 (27 April) 45 C&AG’s Report, para 3.2 46 Q 19 (27 April) Investigation into the British Steel Pension Scheme 13 their complexity, complaints take an average of 8 months to be completed with some taking as long as 31 months.47 The FOS told us that it has increased resources and added 25 specialists to address the complex backlog of BSPS cases.48