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 2177 results
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Decision Reference DRN2462456
13 May 2020 Options SIPP UK LLP UpheldInvestment and pensionsMr F has said that Commercial Land and Property Brokers (CL&P), an unregulated introducer, advised him to transfer his personal and final salary pensions to a SIPP and then make an investment in high risk, speculative investments – ‘Store First’ and GAS Verdant Australian Farmland (GAS... (29 pages)View decision -
Decision Reference DRN-5382445
10 Mar 2025 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-5382445 The complaint Mr W complains, that in 2012, Options UK Personal Pensions LLP (‘Options’, trading as Carey Pensions UK LLP at the relevant time) didn’t carry out adequate due diligence on his introducers and selected investments when it accepted his self-invested personal pen... (56 pages)View decision -
Decision Reference DRN0147198
21 Mar 2018 Amtrust Europe Limited UpheldInsurance (excluding PPI)Mr M’s complaint is about Amtrust Europe Limited’s handling of a claim under his home emergency insurance policy. Amtrust Europe Limited uses agents to deal with claims on its behalf. All references to Amtrust in this decision should be read as including those agents. ... (3 pages)View decision -
Decision Reference DRN7144317
22 Apr 2020 Options SIPP UK LLP UpheldInvestment and pensionsMr A transferred an existing pension to a self-invested personal pension (SIPP) with Carey Pensions UK LLP now called Options SIPP UK LLP. As the firm was called Carey at all relevant times I will refer to it by that name.Mr A was introduced to Carey by an unregulated introducer called CL... (27 pages)View decision -
Decision Reference DRN-3136411
16 Dec 2021 Allianz Insurance Plc Not upheldInsuranceDRN-3136411 The complaint A company I’ll refer to as G has complained that Allianz Insurance Plc unfairly turned down its business interruption insurance claim after it was impacted by the Covid-19 pandemic. Mr B, a director of G, has brought the complaint on G’s behalf. G has been helped ... (4 pages)View decision -
Decision Reference DRN-3975361
28 Feb 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3975361 The complaint Mr W complains that an unregulated business called Commercial Land and Property Brokers (CL&P) introduced him to Options UK Personal Pensions LLP, (‘Options’, which was trading as Carey Pensions UK LLP at the time of the relevant events) and gave him advice an... (33 pages)View decision -
Decision Reference DRN-3556107
22 Jun 2022 Aviva Insurance UK Limited UpheldInsuranceDRN-3556107 The complaint Mr H on behalf of the executors of Mrs H’s estate is unhappy about Aviva Insurance UK Limited’s handling of a subsidence claim under a home insurance policy. Instead of the executors of the estate for ease I’ll refer to Mr H throughout the decision. I will refer t... (10 pages)View decision -
Decision Reference DRN2829437
21 Apr 2020 Options SIPP UK LLP UpheldInvestment and pensionsMr C has said that CL&P (an unregulated introducer) advised him to move two pensions to a SIPP and then make two investments - Store First and GAS Verdant. He thinks this advice was unsuitable.Mr C believes that if Options SIPP UK LLP had carried out adequate due diligence on CL&P,... (26 pages)View decision -
Decision Reference DRN-4102599
4 May 2023 AXA Insurance UK Plc Not upheldInsuranceDRN-4102599 The complaint Mr G complains that, in respect of his claim for fire damage to his let property, AXA Insurance UK Plc proposes to reduce any pay-out for underinsurance. He also complains about the way it has dealt with the claim. The claim was dealt with in part by loss adjuster... (7 pages)View decision -
Decision Reference DRN-5000438
3 Sep 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-5000438 The complaint Mr T has complained about Creation Consumer Finance Ltd’s (“Creation”) response to a claim he made under the Consumer Credit Act 1974 (the “CCA”) and his request for money back. What happened In October 2014, Mr T bought a solar panel system (‘the system’) for... (5 pages)View decision
