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 4790 results
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Decision Reference DRN8741906
9 Feb 2021 Marks & Spencer Financial Services plc Not upheldBanking and creditMr G complains that Marks & Spencer Financial Services Plc (M&S) won’t refund several transactions that were made on his credit card. He says he didn’t authorise them. background Mr G’s complaint involves a complicated background with several business and professional relationships... (12 pages)View decision -
Decision Reference DRN-3875137
28 Dec 2022 BW SIPP LLP UpheldPensions and AnnuitiesDRN-3875137 The complaint Mr A complains that BW SIPP LLP (BW) failed to undertake proper checks in relation to the investment he made. He also thinks BW failed to let him know about issues with the investment before it was valued at £0. What happened Mr A transferred his existing pension ... (14 pages)View decision -
Decision Reference DRN-3632777
31 Aug 2022 Rowanmoor Personal Pensions Limited UpheldPensions and AnnuitiesDRN-3632777 The complaint Mr S complains about Rowanmoor Personal Pensions Limited, in relation to: The mis-sale and maladministration of his Self-Invested Personal Pension (SIPP). The failure to disclose the relationship between Regency and Rowanmoor to him. The failure to conduct adeq... (15 pages)View decision -
Decision Reference DRN-5058529
9 Oct 2024 ReAssure Limited Not upheldPensions and AnnuitiesDRN-5058529 The complaint Mr A has complained, with the help of a professional representative, about a transfer of his ReAssure Limited personal pension to a small self-administered scheme (SSAS) in November 2014. Mr A’s SSAS was subsequently used to invest in an overseas property with ... (13 pages)View decision -
Decision Reference DRN-5258251
17 Jan 2025 Capita Life & Pensions Regulated Services Limited Not upheldPensions and AnnuitiesDRN-5258251 The complaint Mr D has complained about a transfer of his Zurich self invested personal pension (SIPP) to a small self-administered scheme (SSAS) in August 2015. Mr D’s SSAS was subsequently used to invest in the Llana Beach Hotel, a resort development in Cape Verde offered ... (17 pages)View decision -
Decision Reference DRN-4994072
13 Sep 2024 The Royal London Mutual Insurance Society Limited Not upheldPensions and AnnuitiesDRN-4994072 The complaint Miss S has complained about the transfer of her personal pensions with The Royal London Mutual Insurance Society Limited (Royal London) to a small self-administered scheme (SSAS) in June 2014. Miss S’s SSAS was subsequently used to invest in The Resort Group (T... (17 pages)View decision -
Decision Reference DRN-5199926
28 Mar 2025 Aviva Life & Pensions UK Limited UpheldPensions and AnnuitiesDRN-5199926 The complaint Mrs T has complained, with the help of a professional representative, about a transfer of her Aviva Life & Pensions UK Limited (‘Aviva’) personal pension policies to the Forthplus Pensions Ltd Self Invested Personal Pension (‘SIPP’) in May 2017. Mrs T says ... (18 pages)View decision -
Decision Reference DRN-3667405
31 Jul 2024 Countrywide Assured Plc UpheldPensions and AnnuitiesDRN-3667405 The complaint Mr H has complained, with the help of a professional third party, about the transfer of his personal pension, previously held with Countrywide Assured Plc (‘Countrywide’) to an occupational pension scheme in April 2013. The investments made through the new sche... (13 pages)View decision -
Decision Reference DRN-2439034
31 Mar 2022 Neovision Wealth Management Limited UpheldInvestmentsDRN-2439034 The complaint Mrs K is complaining about Neovision Wealth Management Limited (‘Neovision’), she says that one of its appointed representatives (‘ARs’), Providence Wealth Limited (‘Providence Wealth’) is responsible for advice she received to make a high-risk, unregulated invest... (22 pages)View decision -
Decision Reference DRN-3871087
22 Dec 2022 Punter Southall SIPP Limited UpheldPensions and AnnuitiesDRN-3871087 The complaint Mrs G complains that Punter Southall SIPP Limited, which previously traded as ‘PSFM SIPP’ (PSFM), failed to carry out due diligence checks when accepting her application for a Self- Invested Personal Pension (SIPP). She says it didn’t carry out appropriate checks ... (20 pages)View decision