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-5268289
3 Feb 2025 Phoenix Life Limited Not upheldPensions and AnnuitiesDRN-5268289 The complaint Mrs K, with the help of a professional representative, has complained about a transfer from her Phoenix Life Limited personal pension policies to a Qualifying Recognised Overseas Pension Scheme (“QROPS”) in Malta in October 2015. The QROPS was subsequently used... (11 pages)View decision -
Decision Reference DRN-5486955
17 Apr 2025 Absolute Financial Management Ltd Not upheldPensions and AnnuitiesDRN-5486955 The complaint Mr M, through his representatives (‘C’), complains that Blueprint Asset Management Limited advised him on and arranged the transfer of his personal pension with Royal London to the Audax Occupational Scheme in July 2015. Mr M says as the result of Blueprint’s a... (11 pages)View decision -
Decision Reference DRN-4611222
30 Jul 2024 Phoenix Life Limited Not upheldPensions and AnnuitiesDRN-4611222 The complaint Mrs C complained about a transfer of a personal pension she held with Standard Life. This pension had been built up from a previous employment Mrs C had. In early 2015, it was transferred upon her request to a self-invested personal pension (“SIPP”) operated by... (11 pages)View decision -
Decision Reference DRN-4998259
20 Sep 2024 Sun Life Assurance Company of Canada (U.K.) Limited Not upheldPensions and AnnuitiesDRN-4998259 The complaint Mr H has complained about a transfer of his Sun Life Assurance Company of Canada (U.K.) Limited trading as Sun Life Financial of Canada (“SLOC”) personal pensions to a small self- administered scheme (“SSAS”) in 2015. Mr H’s SSAS was subsequently used to invest... (11 pages)View decision -
Decision Reference DRN-5099822
28 Oct 2024 The Royal London Mutual Insurance Society Limited Not upheldPensions and AnnuitiesDRN-5099822 The complaint Mr B has complained, with the help of a professional representative, about a transfer of his personal pension with The Royal London Mutual Insurance Society Limited (Royal London) to a small self-administered scheme (SSAS) in July 2014. Mr B’s SSAS was subseque... (11 pages)View decision -
Decision Reference DRN6165858
17 Mar 2021 The Royal Bank of Scotland Plc Not upheldBanking and creditComplaint Mr and Mrs B are unhappy with a number of actions of The Royal Bank of Scotland Plc (RBS) in relation to their personal accounts. I’ve primarily referred to Mr and Mrs B throughout this decision, even though some events were likely only undertaken by one party. Background I issue... (12 pages)View decision -
Decision Reference DRN0545351
27 Jun 2019 Barclays Bank UK PLC Not upheldInvestment and pensionsMr N complains that Barclays Bank UK PLC misled him about the charges he would have to pay for his Discretionary Portfolio Management service.backgroundDuring 2015 Mr N was in touch with a number of investment service providers as he was in the process of selling his... (11 pages)View decision -
Decision Reference DRN-3224982
21 Jan 2022 Wellington Court Financial Services Limited UpheldPensions and AnnuitiesDRN-3224982 The complaint Mr S complains about the advice he says he received in 2015 to transfer four personal pensions to a self-invested personal pension (“SIPP”). His transfer proceeds were invested in Dolphin Capital, a German property development scheme that has since failed. He says... (12 pages)View decision -
Decision Reference DRN-4887667
4 Jul 2024 The Royal London Mutual Insurance Society Limited Not upheldPensions and AnnuitiesDRN-4887667 The complaint Mr S has complained about a transfer of his personal pension, with The Royal London Mutual Insurance Society Limited (Royal London) to a small self-administered scheme (“SSAS”) in June 2014. Mr S’s SSAS was subsequently used to invest in an overseas property inves... (11 pages)View decision -
Decision Reference DRN8363807
12 Mar 2019 Metro Bank PLC Not upheldBanking and creditMiss B complains that Metro Bank PLC refuse to refund transactions totalling £5,440 which she says were taken from her account, without her knowledge, by a fraudster. Metro Bank has recovered £3,701.26 from the recipient’s bank account, and returned this to Miss B. Miss... (13 pages)View decision
