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 2116 results
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Decision Reference DRN-3107440
10 Jul 2024 The Royal London Mutual Insurance Society Limited Not upheldPensions and AnnuitiesDRN-3107440 The complaint Mr B has complained, with the help of a professional third party, about a transfer of his personal pensions, previously held with The Royal London Mutual Insurance Society Limited (‘Royal London’) to a small self-administered scheme (“SSAS”) in June 2014. Mr B’s S... (10 pages)View decision -
Decision Reference DRN-4890184
9 Jul 2024 London and Country Mortgages Ltd UpheldMortgagesDRN-4890184 The complaint Mrs and Mr J complain that London and Country Mortgages Ltd (L&C), failed to provide suitable advice when recommending a mortgage for their new home. What happened I set out a brief summary of this complaint to both sides in February 2024 when I issued a provi... (6 pages)View decision -
Decision Reference DRN-4893651
9 Jul 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4893651 The complaint Mr X complains that London & Colonial Services Limited (‘L&C’) didn’t undertake sufficient due diligence on a regulated advisory firm who I will refer to as ‘Firm A’ – Firm A advised Mr X to transfer his previous pension plan to a L&C self-invested per... (46 pages)View decision -
Decision Reference DRN-4887667
4 Jul 2024 The Royal London Mutual Insurance Society Limited Not upheldPensions and AnnuitiesDRN-4887667 The complaint Mr S has complained about a transfer of his personal pension, with The Royal London Mutual Insurance Society Limited (Royal London) to a small self-administered scheme (“SSAS”) in June 2014. Mr S’s SSAS was subsequently used to invest in an overseas property inves... (11 pages)View decision -
Decision Reference DRN-4865567
4 Jul 2024 The Royal London Mutual Insurance Society Limited Not upheldPensions and AnnuitiesDRN-4865567 The complaint Mr B has complained about a transfer of their personal pension, with The Royal London Mutual Insurance Society Limited (Royal London) to a small self-administered scheme (SSAS) in June 2014. Mr B’s SSAS was subsequently used to invest in an overseas property inves... (11 pages)View decision -
Decision Reference DRN-4872412
4 Jul 2024 Evergreen Finance London Limited UpheldConsumer CreditDRN-4872412 The complaint Mr B complains through a representative that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided him with loans without carrying out sufficient affordability checks. What happened A summary of Mr B’s borrowing can be found below. loa... (4 pages)View decision -
Decision Reference DRN-4878903
28 Jun 2024 The Royal London Mutual Insurance Society Limited Not upheldPensions and AnnuitiesDRN-4878903 The complaint Mrs J has complained that The Royal London Mutual Insurance Society Limited (‘Royal London’) will not allow her to access the benefits from her section 32 policy held with them in the way she would like. Mrs J would like to take the policy proceeds as a single lum... (3 pages)View decision -
Decision Reference DRN-4874937
26 Jun 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4874937 The complaint Miss W complains that London & Colonial Services Limited (‘L&C’) allowed her to transfer monies from an existing pension arrangement into an L&C Self-Invested Personal Pension (‘SIPP’) and to invest in a Store First Limited (‘Store First’) investment. ... (54 pages)View decision -
Decision Reference DRN-4768623
24 Jun 2024 The Royal London Mutual Insurance Society Limited Not upheldPensions and AnnuitiesDRN-4768623 The complaint Mr H complained that The Royal London Mutual Insurance Society Limited trading as Scottish Life Pensions (Royal London) had mis-sold a pension policy to him. He believed the pension would provide an income for life, but this was not the case. He also complained th... (3 pages)View decision -
Decision Reference DRN-4731195
21 Jun 2024 The Royal London Mutual Insurance Society Limited Not upheldInsuranceDRN-4731195 The complaint Mr and Mrs F complain The Royal London Mutual Insurance Society Limited failed to cancel their policies, and made the process to cancel too difficult. A third party has brought this complaint on behalf of Mr and Mrs F, but for ease I will refer to all submissions ... (3 pages)View decision