651. Time limit for making complaints and referring disputes.

The Pensions Ombudsman1 must not investigate a complaint2 or dispute3 if the act or omission which is the subject of it occurred more than three years before the date on which the complaint or reference of the dispute was received by him in writing4. Where, however, at the date of its occurrence, the person by or in respect of whom the complaint is made or the dispute is referred was, in the opinion of the Pensions Ombudsman, unaware of that act or omission, the period of three years begins on the earliest date on which that person knew or