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 1466 results
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Decision Reference DRN-3935852
3 Nov 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3935852 The complaint Mr S complains that Options UK Personal Pensions LLP (“Options” – formerly Carey Pensions UK LLP) shouldn’t have accepted his application to transfer his occupational pension scheme into an Options self-invested personal pension (“SIPP”). He says Options failed to... (44 pages)View decision -
Decision Reference DRN-4577330
24 Jan 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4577330 The complaint Mr L complains that Options UK Personal Pensions LLP (“Options” – formerly Carey Pensions UK LLP) shouldn’t have accepted his application to transfer his Armed Forces Pension Scheme (“AFPS”) occupational pension scheme into an Options self-invested personal pensio... (43 pages)View decision -
Decision Reference DRN-3966287
6 Oct 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3966287 The complaint Mr R complains that Options UK Personal Pensions LLP (“Options” – formerly Carey Pensions UK LLP) shouldn’t have accepted his application to transfer his occupational pension scheme into an Options self-invested personal pension (“SIPP”). He says Options failed to... (44 pages)View decision -
Decision Reference DRN-3977548
30 Mar 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3977548 The complaint Mr E 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 business who introduced him to Options; Cale... (43 pages)View decision -
Decision Reference DRN-6009889
12 Dec 2025 Society of Lloyd's UpheldInsuranceDRN-6009889 The complaint Mr P has complained about Society of Lloyd’s (SoL’s) handling of a claim he made under his new home building warranty (warranty). Any reference to SoL in this decision, where relevant, also includes the underwriting syndicate, L, which provided the cover under ... (25 pages)View decision -
Decision Reference DRN9883082
12 Feb 2021 HSBC UK Bank Plc Not upheldInvestment and pensionsComplaint A company, which I’ll refer to as S, complains that HSBC UK Bank Plc mis-sold it several interest rate hedging products (IRHPs) and hasn’t paid enough compensation. Background S brings its complaint alongside another which is brought by S’s owner, “Mr D”. Like S’s complaint, Mr D... (14 pages)View decision -
Decision Reference DRN2584710
12 Feb 2021 HSBC UK Bank Plc Not upheldInvestment and pensionsComplaint Mr D complains that HSBC UK Bank Plc mis-sold him several interest rate hedging products (IRHPs) and hasn’t paid enough compensation. Background Mr D brings his complaint alongside another which is brought by a limited company owned by Mr D. I’ll call the company “S”. Like Mr D’s... (14 pages)View decision -
Decision Reference DRN-5775493
6 Feb 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5775493 The complaint Mrs S’s complaint is, in essence, that Mitsubishi HC Capital UK Plc trading as Novuna Personal Finance (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974... (17 pages)View decision -
Decision Reference DRN-4017980
10 Oct 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4017980 The complaint Mr J complains that Options UK Personal Pensions LLP (‘Options’ – formerly Carey Pensions) shouldn’t have accepted the transfer of his defined benefit (‘DB’) pension scheme into a self-invested personal pension (‘SIPP’). The parties involved Given there were sever... (43 pages)View decision -
Decision Reference DRN-4329559
20 Oct 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4329559 The complaint Mr B complains that Options UK Personal Pensions LLP (‘Options’ – formerly Carey Pensions) shouldn’t have accepted the transfer of his defined benefit (‘DB’) pension scheme into a self-invested personal pension (‘SIPP’). The parties involved Given there were sever... (42 pages)View decision