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 125400 results
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Decision Reference DRN-3958310
10 Nov 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3958310 The complaint Mr H complains Options UK Personal Pensions LLP (‘Options’ - formerly Carey Pensions UK LLP) shouldn’t have accepted a transfer of his defined benefits occupational pension scheme into a self-invested personal pension (‘SIPP’) via an introduction made by Caledonia... (44 pages)View decision -
Decision Reference DRN-3971932
10 Nov 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3971932 The complaint Mr W complains that Options UK Personal Pensions LLP (formerly Carey Pensions) (‘Options’) shouldn’t have accepted a transfer of his occupational pension scheme into a self-invested personal pension (‘SIPP’). What happened In early 2012, Mr W says he was cold call... (42 pages)View decision -
Decision Reference DRN-4210563
10 Nov 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4210563 The complaint Mr F complains that National Westminster Bank Plc decided to close his accounts and blocked his card. He’d like compensation for the impact on him. What happened Mr F has a number of accounts with NatWest including current accounts, a credit card and a mortgage. O... (4 pages)View decision -
Decision Reference DRN-4438799
10 Nov 2023 Sainsbury's Bank Plc UpheldInsuranceDRN-4438799 The complaint Mr M complains that Sainsbury’s Bank Plc (Sainsburys) collected his annual premium despite him cancelling the renewal, under his motor insurance policy. What happened Mr M’s motor insurance policy was administered by Sainsburys. He says he cancelled the auto-renew... (4 pages)View decision -
Decision Reference DRN-4355596
10 Nov 2023 Marks & Spencer Financial Services plc UpheldBanking and PaymentsDRN-4355596 The complaint Mr F complains that Marks & Spencer Financial Services Plc (“M&S”), trading as M&S Bank, irresponsibly granted him a credit card agreement he couldn’t afford to repay. What happened Mr F applied for and was accepted for a credit card in October 2019. H... (3 pages)View decision -
Decision Reference DRN-4372149
10 Nov 2023 True Potential Wealth Management LLP UpheldPensions and AnnuitiesDRN-4372149 The complaint Mr M complains about the advice given by True Potential Wealth Management LLP (TPWM) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a personal pension. He says the advice was unsuitable for him and believes this has caused ... (7 pages)View decision -
Decision Reference DRN-4450244
10 Nov 2023 The National Farmers' Union Mutual Insurance Society Limited UpheldInsuranceDRN-4450244 The complaint Mr and Mrs B are unhappy with The National Farmers’ Union Mutual Insurance Society Limited’s (NFU) handing of a claim made under their home and lifestyle insurance policy. What happened Mr and Mrs B have a home and lifestyle insurance policy underwritten by NFU. I... (3 pages)View decision -
Decision Reference DRN-3758234
10 Nov 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3758234 The complaint Mr P complains that Options UK Personal Pensions LLP (‘Options’) shouldn’t have accepted his application to transfer his defined benefit pension into a self-invested personal pension (‘SIPP’) and invest his funds in a Friends Provident International (‘FPI’) bond. ... (36 pages)View decision -
Decision Reference DRN-4328650
10 Nov 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4328650 The complaint Mr U complains that Lloyds Bank Plc unfairly blocked payments from his account, when he had enough in his account to cover it. He’d like further compensation and for the business to improve their communications. What happened The facts of this case are well known ... (2 pages)View decision -
Decision Reference DRN-4434364
10 Nov 2023 HDI Global Specialty SE UpheldInsuranceDRN-4434364 The complaint Mr G and Mrs J have complained about HDI Global Speciality SE, the insurer for their let property, regarding a subsidence claim. What happened Cracks were noted in the let property in 2020 and a claim was made to HDI in late summer. Loss adjusters were appointed a... (3 pages)View decision
