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-6113635
2 Feb 2026 Wise Payments Limited UpheldBanking and PaymentsDRN-6113635 The complaint Mr K complains Wise Payments Limited (“Wise”): - Deactivated his accounts and did so without explanation nor notice - Failed to accept confirmation of his legal name as evidenced by his UK passport - Didn’t refund his funds, despite Mr K providing Wise with ext... (12 pages)View decision -
Decision Reference DRN-5306586
17 Feb 2025 Zurich Assurance Ltd Not upheldPensions and AnnuitiesDRN-5306586 The complaint Mr D has complained, with the help of a professional third party, about the transfer of his Zurich Assurance Ltd personal pension to a Qualifying Recognised Overseas Pension Scheme (“QROPS”) in October 2015. Mr D says Zurich failed in its responsibilities when ... (12 pages)View decision -
Decision Reference DRN-5921600
2 Nov 2025 Hargreaves Lansdown Asset Management Limited UpheldPensions and AnnuitiesDRN-5921600 The complaint Miss W established a Property and Financial Affairs Lasting Power of Attorney (‘LPA’) in 2011, her brother (who I’ll refer to as ‘Mr A’) was named in the LPA as an attorney. Mr A is also acting as Miss W’s representative in this complaint. Miss W complains tha... (12 pages)View decision -
Decision Reference DRN-4763069
7 Mar 2025 St James's Place UK plc UpheldPensions and AnnuitiesDRN-4763069 The complaint Mrs C has complained about a transfer of her St James's Place UK plc (‘St James’s Place’) personal pensions to a small self-administered scheme (‘SSAS’) in January 2016. Mrs C’s SSAS was subsequently used to invest in Dolphin Capital (‘Dolphin’), a loan no... (13 pages)View decision -
Decision Reference DRN-3570386
5 Jul 2022 Fortrade Limited UpheldInvestmentsDRN-3570386 The complaint Mr B complains about the service he was provided with by Fortrade Limited, in particular, that it: Pushed him into trading only with Cannabis companies so he didn’t diversify his portfolio as he wanted. Advised him on what to buy, when to trade and in what direc... (12 pages)View decision -
Decision Reference DRN-5108407
28 Oct 2024 Scottish Equitable Plc UpheldPensions and AnnuitiesDRN-5108407 The complaint Mr R has complained about a transfer of his Scottish Equitable Plc trading as AEGON personal pension to a small self-administered scheme (SSAS 1 ) in April 2015. Mr R’s SSAS was subsequently used to invest in overseas commercial property developments. The inves... (14 pages)View decision -
Decision Reference DRN-4176753
13 Jun 2023 Evelyn Partners Investment Management Services Limited UpheldPensions and AnnuitiesDRN-4176753 The complaint Mr T says Evelyn Partners Investment Management Services Limited (Evelyn), trading as Tilney Investment Management Services Limited (Tilney), amongst other matters, required him to switch the provider of his Self-invested Personal Pension (SIPP) which meant he inc... (13 pages)View decision -
Decision Reference DRN-5219537
18 Dec 2024 Scottish Equitable Plc Not upheldPensions and AnnuitiesDRN-5219537 The complaint Mr M has complained about a transfer of his Scottish Equitable Plc trading as AEGON personal pension to a small self-administered scheme (SSAS 1 ) around the end of August 2014. Mr M’s SSAS was subsequently used to invest in a hotel development overseas. The in... (13 pages)View decision -
Decision Reference DRN-3316784
26 Feb 2022 Wellington Court Financial Services Limited UpheldPensions and AnnuitiesDRN-3316784 The complaint Mr R complains about the advice he says he received in 2015 to transfer a personal pension to a self-invested personal pension (“SIPP”). His transfer proceeds were invested in unregulated investment schemes that have since failed. He says the advice to transfer wa... (13 pages)View decision -
Decision Reference DRN-3747006
4 Jul 2024 Sun Life Assurance Company of Canada (U.K.) Limited Not upheldPensions and AnnuitiesDRN-3747006 The complaint Mr S has complained about the transfer of two personal pension plans he held with Sun Life Assurance Company of Canada (UK) Limited (“Sun Life”), to a small self-administered scheme (“SSAS”). A SSAS is a type of occupational pension, in which the members are also ... (12 pages)View decision