any of five British ombudsmen: the Banking Ombudsman, set up in 1986 to investigate complaints from bank customers; the Building Society Ombudsman, set up in 1987 to investigate complaints from building society customers; the Insurance Ombudsman, set up in 1981 to investigate complaints by policyholders (since 1988 this ombudsman has also operated a Unit Trust Ombudsman scheme); the Investment Ombudsman set up in 1989 to investigate complaints by investors (the Personal Investment Authority Ombudsman is responsible for investigating complaints by personal investors); and the Pensions Ombudsman, set up in 1993 to investigate complaints regarding pension schemes