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 2270 results
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Decision Reference DRN6001915
13 Nov 2020 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mr and Mrs K say Lloyds Bank PLC mis-sold them a payment protection insurance (“PPI”) policy. background and summary to complaint Mr and Mrs K bought the policy in 1998 at the same time as taking out a mortgage. They applied for the mortgage and PPI policy in branch. The policy provided co... (10 pages)View decision -
Decision Reference DRN2413217
24 Jul 2021 Barclays Bank UK PLC UpheldPayment protection insurance (PPI)Mr G says Barclays Bank UK PLC (‘Barclays’) mis-sold him a payment protection insurance (“PPI”) policy. Barclays were trading at the time as ‘Egg’ but for simplicity I will refer to the business as ‘Barclays’ throughout the rest of the decision. background and summary to complaint AXA told... (17 pages)View decision -
Decision Reference DRN-4804081
17 May 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4804081 The complaint Mr M 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 when it accepted his Self-Invested Personal Pension (‘SIPP’) application and allowed him to inv... (46 pages)View decision -
Decision Reference DRN-4787474
9 May 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4787474 The complaint Mr S 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 when it accepted his Self-Invested Personal Pension (‘SIPP’) application and allowed him to inv... (45 pages)View decision -
Decision Reference DRN-4787464
9 May 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4787464 The complaint Mr L 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 when it accepted his Self-Invested Personal Pension (‘SIPP’) application and allowed him to inv... (46 pages)View decision -
Decision Reference DRN-4817179
24 May 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4817179 The complaint Mr C 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 when it accepted his Self-Invested Personal Pension (‘SIPP’) application and allowed him to inv... (48 pages)View decision -
Decision Reference DRN-4901453
10 Jul 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4901453 The complaint Mrs M complains, with the help of a representative, that Options UK Personal Pensions LLP (‘Options’ – formerly Carey Pensions) didn’t undertake sufficient due diligence before accepting her application to open a self-invested personal pension (‘SIPP’) and her ins... (29 pages)View decision -
Decision Reference DRN-5385931
11 Mar 2025 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-5385931 The complaint Mr W complains, with the help of a representative, that Options UK Personal Pensions LLP (‘Options’ – formerly Carey Pensions) didn’t undertake sufficient due diligence before accepting his application to open a self-invested personal pension (‘SIPP’) and his i... (33 pages)View decision -
Decision Reference DRN-5041548
23 Jan 2025 Equiniti Financial Services Limited Not upheldPensions and AnnuitiesDRN-5041548 The complaint Ms M has complained, with the help of a professional third party, about the transfer of her personal pension to an occupational pension scheme (‘OPS’) in June 2015. Ms M says Equiniti Financial Services Limited (‘Equiniti’) failed in its responsibilities when d... (13 pages)View decision -
Decision Reference DRN-4843563
11 Jun 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4843563 The complaint Mr C complains that Carey Pensions UK LLP (‘Carey’) (now called Options UK Personal Pensions LLP, but I’ll refer to Carey throughout for ease) shouldn’t have accepted his application for a self-invested personal pension (‘SIPP’) and that it failed to undertake due... (33 pages)View decision