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 475 results
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Decision Reference DRN-5870742
16 Jan 2026 Options UK Personal Pensions LLP Not upheldPensions and AnnuitiesDRN-5870742 The complaint Mr D complains that Options UK Personal Pensions LLP (“Options”) has applied an incorrect income tax deduction to an income payment he took from his pension savings. What happened Mr D holds pension savings in a self-invested personal pension plan (“SIPP”) admi... (2 pages)View decision -
Decision Reference DRN-5887839
5 Dec 2025 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-5887839 The complaint Mr T complains that Options UK Personal Pensions LLP (‘Options’ - formerly Carey Pensions) accepted his investment into a self-invested personal pension (‘SIPP’) when he says it shouldn’t have accepted business from the firm that introduced him to Options; Cale... (35 pages)View decision -
Decision Reference DRN-5887880
5 Dec 2025 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-5887880 The complaint Mr M complains that Options UK Personal Pensions LLP (‘Options’ - formerly Carey Pensions) accepted his investment into a self-invested personal pension (‘SIPP’) when he says it shouldn’t have accepted business from the firm that introduced him to Options; Cale... (30 pages)View decision -
Decision Reference DRN-5782424
29 Aug 2025 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-5782424 The complaint Mr F complains, thorough his representatives, that Options UK Personal Pensions LLP (“Options”) previously Carey Pensions UK - didn’t carry out adequate due diligence as regards his Self-Invested Personal Pension (SIPP). What happened Although Mr F is represent... (16 pages)View decision -
Decision Reference DRN-5691302
11 Aug 2025 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-5691302 The complaint Mr M complains that Options UK Personal Pensions LLP (‘Options’ - formerly Carey Pensions) accepted his investment into a self-invested personal pension (‘SIPP’) when he says it shouldn’t have accepted business from the firm that introduced him to Options; Cale... (36 pages)View decision -
Decision Reference DRN-5731918
1 Aug 2025 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-5731918 The complaint Mr L complains that Options UK Personal Pensions (“Options”) failed to carry out due diligence on investments he was advised to invest his SIPP in. What happened To assist the parties I set out below the roles of the various parties I will be referring to. Opti... (22 pages)View decision -
Decision Reference DRN-5594557
24 Jun 2025 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-5594557 The complaint Mr M complains about delays caused by Options UK Personal Pensions LLP when he asked it to transfer his Self-Invested Personal Pension (SIPP) to another provider. What happened Mr M held a “Smart SIPP.” Options was the administrator of the Scheme. The Scheme T... (10 pages)View decision -
Decision Reference DRN-5573554
30 May 2025 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-5573554 The complaint Mr T complains, through his representative, that Options SIPP UK LLP failed to comply with its regulatory obligations in allowing investment into a product that wasn’t appropriate for his SIPP. What happened Although Mr T is represented and his representatives... (16 pages)View decision -
Decision Reference DRN-5582123
23 May 2025 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-5582123 The complaint Mr G complains, through his representative, that Options UK Personal Pensions LLP failed to carry out due diligence on investments he was advised to invest his SIPP in. What happened Although Mr G is represented and his representatives have provided information... (15 pages)View decision -
Decision Reference DRN-4543923
16 Apr 2025 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4543923 The complaint Mr S has complained that Options UK Personal Pensions LLP (“Options”) failed to carry out sufficient due diligence when accepting his application to open a Self-Invested Personal Pension (SIPP) and allowing the SIPP to purchase a number of unregulated, high ris... (16 pages)View decision
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