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 4282 results
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Decision Reference DRN-5195830
16 Dec 2024 Zurich Assurance Ltd UpheldPensions and AnnuitiesDRN-5195830 The complaint Mr K has complained, with the help of a professional third party, about the transfer of his Zurich Assurance Ltd (‘Zurich’) personal pension to a small self-administered scheme (“SSAS”) in 2014. Mr K’s SSAS was subsequently used to invest in an overseas propert... (15 pages)View decision -
Decision Reference DRN-3208274
15 Dec 2021 Wellington Court Financial Services Limited UpheldPensions and AnnuitiesDRN-3208274 The complaint Mr C with the help of a professional representative complains about the advice he says he received in 2015 to transfer his personal pension to a Self-Invested Personal Pension (“SIPP”). His transfer proceeds were invested in Dolphin Capital, a German property deve... (16 pages)View decision -
Decision Reference DRN-5302028
4 Feb 2025 Zurich Assurance Ltd UpheldPensions and AnnuitiesDRN-5302028 The complaint Mr H has complained about a transfer of his Zurich Assurance Ltd personal pension to a small self-administered scheme (SSAS 1 ) in October 2015. Mr H’s SSAS was subsequently used to invest in an overseas property development. The investment now appears to have ... (17 pages)View decision -
Decision Reference DRN-5095826
21 Oct 2024 Aviva Life & Pensions UK Limited Not upheldPensions and AnnuitiesDRN-5095826 The complaint Mr W1 has complained about a transfer of his Aviva Life & Pensions UK Limited personal pension to a small self-administered scheme (SSAS 1 ) in 2014. Mr W1’s SSAS was subsequently used to invest in commercial property developments both overseas and in the U... (17 pages)View decision -
Decision Reference DRN-5406150
19 Mar 2025 Zurich Assurance Ltd UpheldPensions and AnnuitiesDRN-5406150 The complaint Mr S has complained, with the help of a professional third party, about the transfer of his Zurich Assurance Ltd (‘Zurich’) personal pension to a small self-administered scheme (‘SSAS’) in 2014. Mr S’s SSAS was subsequently used to invest in an overseas propert... (16 pages)View decision -
Decision Reference DRN-3214243
15 Dec 2021 Wellington Court Financial Services Limited UpheldPensions and AnnuitiesDRN-3214243 The complaint Mr D complains about the advice he received in 2015 to transfer two personal pensions to a self- invested personal pension (“SIPP”). His transfer proceeds were invested in Dolphin Capital, a German property development scheme, and a Property Bond both of which hav... (16 pages)View decision -
Decision Reference DRN-5135747
29 Nov 2024 The Prudential Assurance Company Limited Not upheldPensions and AnnuitiesDRN-5135747 The complaint Mr F has complained, through his representative, that The Prudential Assurance Company Limited (Prudential) undertook insufficient due diligence when transferring his personal pension to a Qualifying Recognised Overseas Pension Scheme (QROPS) in July 2016. Mr F... (9 pages)View decision -
Decision Reference DRN-5298949
21 Feb 2025 OneSavings Bank Plc Not upheldMortgagesDRN-5298949 The complaint Miss B complains about problems encountered with her mortgage lender, OneSavings Bank Plc trading as Kent Reliance. When it wouldn’t allow her to transfer the joint mortgage into sole names she repaid it – but she says Kent Reliance gave her solicitor an incorr... (8 pages)View decision -
Decision Reference DRN3491001
2 Sep 2015 Volkswagen Financial Services (UK) Limited Not upheldBanking and creditMr G complains that Volkswagen Financial Services (UK) Limited (VWFS) wrongfully repossessed a car he acquired under a hire purchase (HP) agreement. He wants VWFS to refund all of his HP payments - and pay compensation for providing a car of unsatisfactory quality an... (9 pages)View decision -
Decision Reference DRN-2305447
2 Nov 2020 Oakam Ltd UpheldConsumer CreditDRN-2305447 The complaint Miss P complains that Oakam Ltd lent to her irresponsibly. What happened I issued a provisional decision on 29 September 2020. Both parties have responded and neither has anything further to add. So, the reply date having passed, and having received responses from... (9 pages)View decision
