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 DRN2741855
17 Nov 2020 British Gas Insurance Limited UpheldInsurance (excluding PPI)Ms C’s complaint is about the handling of a central heating and gas appliance insurance policy with British Gas Insurance Limited. background I issued a provisional decision on this matter in October 2020, part of which is copied below: “Ms C has held a policy with British Gas for some yea... (10 pages)View decision -
Decision Reference DRN-4865567
4 Jul 2024 The Royal London Mutual Insurance Society Limited Not upheldPensions and AnnuitiesDRN-4865567 The complaint Mr B has complained about a transfer of their personal pension, with The Royal London Mutual Insurance Society Limited (Royal London) to a small self-administered scheme (SSAS) in June 2014. Mr B’s SSAS was subsequently used to invest in an overseas property inves... (11 pages)View decision -
Decision Reference DRN-5170528
26 Nov 2024 Equifinance Limited UpheldMortgagesDRN-5170528 The complaint Mr H says that a secured (second charge) loan he took out in 2017 with Equifinance Limited was unaffordable and irresponsibly lent. What happened Mr H applied for this loan in November 2017 through an independent mortgage broker. The offer issued on 1 December ... (11 pages)View decision -
Decision Reference DRN-3354090
29 Sep 2022 Equity For Growth (Securities) Limited UpheldInvestmentsDRN-3354090 The complaint Mrs S says she received unsuitable advice to invest in shares in a private company. She says the advice was given by Amyma Ltd (Amyma), an appointed representative of Equity For Growth (Securities) Limited (EFG). So Mrs S thinks EFG should pay her compensation. Wh... (14 pages)View decision -
Decision Reference DRN-5137004
13 Nov 2024 The Royal London Mutual Insurance Society Limited Not upheldPensions and AnnuitiesDRN-5137004 The complaint Mr W has complained about the transfer of his The Royal London Mutual Insurance Society Limited trading as Scottish Life Pensions (Royal London) personal pension to a small self- administered scheme (“SSAS”) in June 2014. Mr W’s SSAS was subsequently used to in... (9 pages)View decision -
Decision Reference DRN-5167658
28 Nov 2024 Phoenix Life Limited Not upheldPensions and AnnuitiesDRN-5167658 The complaint Mr B has complained, with the help of a professional third party, about the transfer of his personal pension to a small self-administered scheme (“SSAS”) in March 2015. Mr B says he can no longer access his pension and all benefits have been lost. His personal ... (10 pages)View decision -
Decision Reference DRN-5285958
24 Jan 2025 The Prudential Assurance Company Limited Not upheldPensions and AnnuitiesDRN-5285958 The complaint Mr K has complained about a transfer of his Prudential Assurance Company Limited personal pension to a Qualifying Recognised Overseas Pension Scheme (“QROPS”) in March 2016. Mr K’s QROPS was subsequently used to invest in various assets including a bond and fra... (10 pages)View decision -
Decision Reference DRN-5366109
13 Mar 2025 The Prudential Assurance Company Limited Not upheldPensions and AnnuitiesDRN-5366109 The complaint Mr H has complained, through his representatives, that The Prudential Assurance Company Limited (‘Prudential’) undertook insufficient due diligence when transferring his personal pensions to a Qualifying Recognised Overseas Pension Scheme (‘QROPS’) in 2016. Mr... (10 pages)View decision -
Decision Reference DRN5421453
3 Apr 2019 Strathearn Insurance Services Limited UpheldInsurance (excluding PPI)Business G’s complaint is about a “key facts” document (“KFD”) produced by Strathearn Insurance Services Limited (SISL) in relation to insurance provided as part of an investment it made. In summary, Business G says it relied on the KFD, which SISL provided as p... (12 pages)View decision -
Decision Reference DRN-5240466
23 Jan 2025 Aviva Life & Pensions UK Limited Not upheldPensions and AnnuitiesDRN-5240466 The complaint Mr A has complained about a transfer of his Aviva Life & Pensions UK Limited pension to a Qualifying Recognised Overseas Pension Scheme (“QROPS”) in Gibraltar in September 2014. Mr A’s QROPS was subsequently used to invest in the Trafalgar Multi Asset Fund.... (11 pages)View decision