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-3598888
10 Jul 2024 Virgin Money Unit Trust Managers Ltd Not upheldPensions and AnnuitiesDRN-3598888 The complaint Mr G has complained, with the help of a professional third party, about a transfer of his personal pension, previously held with Virgin Money Unit Trust Managers Ltd (‘Virgin’), to a small self-administered scheme (“SSAS”) in May 2014. Mr G’s SSAS was subsequently... (10 pages)View decision -
Decision Reference DRN-5401422
17 Mar 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5401422 The complaint Mrs O is unhappy that Revolut Ltd won’t reimburse money she lost to a scam What happened The background to this complaint is well known to both parties, so I won’t repeat everything here. In summary, Mrs O has explained that between April 2023 and June 2023 she... (12 pages)View decision -
Decision Reference DRN-5273796
21 Feb 2025 The Prudential Assurance Company Limited Not upheldPensions and AnnuitiesDRN-5273796 The complaint Mr P has complained about a transfer of his pensions with the Prudential Assurance Company (Prudential) to a Qualifying Recognised Overseas Pension Scheme (QROPS) in Malta in August 2014. Mr P’s QROPS was subsequently used, in part, to invest in Dolphin Capital... (12 pages)View decision -
Decision Reference DRN9563925
30 Sep 2020 American Express Services Europe Limited UpheldBanking and creditComplaint Mr B complains that American Express Services Europe Limited (“Amex”) declined his claim under Section 75 of the Consumer Credit Act 1974 (“s.75”; “the CCA”). And also declined to raise chargebacks in the alternative. Background In June 2016 Mr B purchased a lifetime digital mark... (13 pages)View decision -
Decision Reference DRN-4903163
16 Jul 2024 ReAssure Limited UpheldPensions and AnnuitiesDRN-4903163 The complaint Mrs D has complained about a transfer of her ReAssure Limited personal pension to a small self-administered scheme (SSAS) in January 2014. Mrs D’s SSAS was subsequently used to invest in overseas property developments with Akbuk Resort Group and Dolphin Trust G... (12 pages)View decision -
Decision Reference DRN-3235050
21 Jan 2022 Wellington Court Financial Services Limited UpheldPensions and AnnuitiesDRN-3235050 The complaint Mr S complains about the advice he says he received in 2015 to transfer his personal pension to a self-invested personal pension (“SIPP”). He says the advice wasn’t suitable and he holds Wellington Court Financial Services Limited responsible for the loss to his p... (12 pages)View decision -
Decision Reference DRN-3474133
30 May 2022 Sesame Limited UpheldInvestmentsDRN-3474133 The complaint Mr and Mrs B complain an appointed representative of Sesame Limited gave them unsuitable advice to surrender money from two bonds they held and use the funds to invest in a high risk unregulated collective investment scheme (UCIS). What happened Mr and Mrs B’s fin... (13 pages)View decision -
Decision Reference DRN0696358
3 Sep 2021 Nationwide Building Society UpheldBanking and creditI issued a provisional decision in this complaint about Nationwide Building Society on 21 July 2021. It contains the relevant background information and sets out my provisional findings. For completeness, a copy is annexed to this final decision. background In brief summary, I was minded t... (12 pages)View decision -
Decision Reference DRN-4221820
30 Jun 2023 Clear Capital Markets Ltd UpheldPensions and AnnuitiesDRN-4221820 The complaint Through his representative, Mr T complains that Clear Capital Markets Limited (CCM) enabled him to trade in “investments in a small number of specific and potentially high risk / volatile stocks” on the SVS Securities trading platform, after it advised him to tran... (10 pages)View decision -
Decision Reference DRN-4871214
27 Jun 2024 TRADE NATION FINANCIAL UK LTD Not upheldInvestmentsDRN-4871214 The complaint Mr I complains that Trade Nation Financial UK Limited, trading as Core Spreads, should not have allowed him to open a contracts for difference (CFD) account. In doing so, Mr I says he has lost a significant amount of money. Mr I would now like Core Spreads to refu... (11 pages)View decision
