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 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-3248316
7 Feb 2022 Heritage Pensions Limited UpheldPensions and AnnuitiesDRN-3248316 The complaint Mr A complains that Heritage Pensions Limited failed to carry out due diligence checks when accepting his application for a Self-Invested Personal Pension (SIPP). He says that it didn’t carry out appropriate checks on the advisor who recommended the transaction, o... (14 pages)View decision -
Decision Reference DRN-4919475
25 Jul 2024 Scottish Equitable Plc Not upheldPensions and AnnuitiesDRN-4919475 The complaint Mr C has complained about a transfer of his Scottish Equitable Plc trading as Aegon personal pension to a small self-administered scheme (SSAS) in 2014. Mr C’s SSAS was subsequently used to invest in a fractional ownership of overseas hotel property with The Re... (12 pages)View decision -
Decision Reference DRN-4988560
29 Aug 2024 Phoenix Life Limited Not upheldPensions and AnnuitiesDRN-4988560 The complaint Mr K has complained, with the help of a professional representative, about a transfer of his Phoenix Life Limited trading as Standard Life (Phoenix Life) personal pension to a small self- administered scheme (SSAS) in June 2014. Mr K’s SSAS was subsequently use... (11 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 -
Decision Reference DRN-3121274
18 Mar 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3121274 The complaint Ms C complains Barclays Bank UK PLC won’t reimburse money she lost when she says she fell victim to a scam. This complaint only concerns Ms C’s current account. What happened Ms C had recently returned to the UK following the breakdown of a relationship. She is a ... (11 pages)View decision -
Decision Reference DRN-3121330
17 Mar 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3121330 The complaint Ms C complains Barclays Bank UK PLC, trading as Barclaycard, won’t reimburse money she lost when she says she fell victim to a scam. For ease I will refer to Barclays throughout. What happened Ms C had recently returned to the UK following the breakdown of a relat... (11 pages)View decision -
Decision Reference DRN-4786898
7 Mar 2025 St James's Place UK plc UpheldPensions and AnnuitiesDRN-4786898 The complaint Mr C has complained about a transfer of his St James's Place UK plc (‘St James’s Place’) personal pensions to a small self-administered scheme (‘SSAS’) in January 2016. Mr C’s SSAS was subsequently used to invest in Dolphin Capital (‘Dolphin’), a loan note... (12 pages)View decision