We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 10 results
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Decision Reference DRN-3390387
23 Mar 2022 Cowley & Miller Independent Financial Services Limited UpheldPensions and AnnuitiesDRN-3390387 The complaint Mr S complains advice given by Cowley and Miller Independent Financial Services Limited to transfer the deferred benefits of his armed forces occupational pension scheme to a personal pension wasn’t in his best interests. Mr S is represented in this complaint by a... (6 pages)View decision -
Decision Reference DRN-2847424
8 Mar 2022 Cowley & Miller Independent Financial Services Limited UpheldPensions and AnnuitiesDRN-2847424 The complaint Mr M complains that he received unsuitable advice about his pension from Tidal Wealth Management (TWM), an appointed representative of Cowley & Miller Independent Financial Services Limited (Cowley & Miller). Mr M has also complained about the lack of ongo... (6 pages)View decision -
Decision Reference DRN-2539691
30 Dec 2021 Cowley & Miller Independent Financial Services Limited UpheldPensions and AnnuitiesDRN-2539691 The complaint Mrs M complains that due to delays caused by Cowley & Miller Independent Financial Services Limited (Cowley & Miller) she received a lower transfer value for her occupational pension scheme benefits than she would otherwise have done. What happened It appe... (5 pages)View decision -
Decision Reference DRN-3050684
12 Oct 2021 Cowley & Miller Independent Financial Services Limited UpheldPensions and AnnuitiesDRN-3050684 The complaint Mr B complains that the advice he received in 2016 from Cowley & Miller Independent Financial Services Limited (“Cowley & Miller”) about his pension savings was inappropriate. What happened I issued a provisional decision on this complaint in August 2021. ... (5 pages)View decision -
Decision Reference DRN-2738236
21 Jul 2021 Cowley & Miller Independent Financial Services Limited UpheldPensions and AnnuitiesDRN-2738236 The complaint Mr C complains that Cowley & Miller Independent Financial Services Limited failed to provide him with appropriate advice regarding the transfer of pension benefits in 2015. What happened Mr C held deferred pension benefits in a public sector defined benefits s... (6 pages)View decision -
Decision Reference DRN7939248
2 Jul 2020 Cowley & Miller Independent Financial Services Limited UpheldInvestment and pensionsMr M has complained about Cowley & Miller Independent Financial Service Limited’s advice to move his stakeholder pension to a Self-Invested Personal Pension (SIPP), and to invest in an unregulated investment.backgroundIn 2012, Mr M received advice from Cowley & Miller about his pen... (6 pages)View decision -
Decision Reference DRN1515100
19 Jun 2020 Cowley & Miller Independent Financial Services Limited UpheldInvestment and pensionsMrs B complained about Cowley & Miller Independent Financial Service Limited’s advice to move her personal pension to a Self-Invested Personal Pension (SIPP) and to invest in an unregulated investment.backgroundIn early 2012, Mrs B was contacted by an unregulated business. An investmen... (6 pages)View decision -
Decision Reference DRN2912397
21 Apr 2020 Cowley & Miller Independent Financial Services Limited UpheldInvestment and pensionsMr D complains about the advice he received from Cowley & Miller Independent Financial Services Limited (“C&M”) to transfer the benefits from his final salary related occupational pension scheme to a personal pension.backgroundIt was C&M that advised Mr D to transfer his pensio... (5 pages)View decision -
Decision Reference DRN9471328
12 Mar 2019 Cowley & Miller Independent Financial Services Limited UpheldInvestment and pensionsMr B complains about the advice he was given by Cowley & Miller Independent Financial Services Limited to transfer his pension into a self-invested personal pension (SIPP) and invest in an unregulated investment. Mr B’s representative says the advice didn’t comply with... (7 pages)View decision -
Decision Reference DRN5627762
17 Sep 2018 Cowley & Miller Independent Financial Services Limited UpheldInvestment and pensionsMrs W complains that Cowley & Miller Independent Financial Services Limited (Cowley & Miller) gave her unsuitable advice to transfer her pension to a Self-Invested Personal Pension (SIPP) and invest in high risk funds.backgroundMrs W had a work-related personal ... (5 pages)View decision