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-5449134
4 Apr 2025 Zurich Assurance Ltd Not upheldPensions and AnnuitiesDRN-5449134 The complaint Mrs A has complained about a transfer of their Zurich Assurance Ltd personal pension to a small self-administered scheme (“SSAS”) in 2014. Mrs A’s SSAS was subsequently used to invest in commercial property overseas through The Resort Group (‘TRG’). The investm... (14 pages)View decision -
Decision Reference DRN8210137
20 Jul 2021 Wealthmasters Financial Management Ltd UpheldInvestment and pensionsMr J complains that Wealthmasters Financial Management Ltd (WFM) gave him unsuitable advice to transfer his personal pensions into an occupational pension scheme offered by ARK Business Consulting (Ark), making use of a Pension Reciprocation Plan (PRP). Mr J says as a result he now can’t a... (12 pages)View decision -
Decision Reference DRN-4140449
27 Sep 2023 Scottish Equitable Plc Not upheldPensions and AnnuitiesDRN-4140449 The complaint Mr R complains that he received inadequate and delayed responses from Aegon to questions he had about how his personal pension plan worked. This came at a critical time when he was considering whether to transfer away. He considers that Aegon’s actions either caus... (11 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-3342072
19 May 2022 Abbey Financial Services (N.I.) Ltd UpheldPensions and AnnuitiesDRN-3342072 The complaint Mr M says Abbey Financial Services (N.I.) Ltd (AFS), is responsible for unsuitable advice he received to switch his Standard Life Self-invested Personal Pension (SIPP) into two SIPPs with Intelligent Money (IM) and Lifetime, with the funds being invested through d... (14 pages)View decision -
Decision Reference DRN-3247089
3 Mar 2025 Aviva Life & Pensions UK Limited Not upheldPensions and AnnuitiesDRN-3247089 The complaint Mr H has complained about a transfer of his Aviva Life & Pensions UK Limited personal pension to a small self-administered scheme (“SSAS”) in June 2015. Mr H’s SSAS was subsequently used to invest in The Resort Group (TRG) plc and Dolphin Capital loan notes... (12 pages)View decision -
Decision Reference DRN-4893890
5 Jul 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4893890 The complaint Mr R complains that Options UK Personal Pensions LLP (formerly Carey Pensions, referred to as ‘Options’) didn’t undertake sufficient due diligence on the Carbon Credits investment he made through his Options Self-Invested Personal Pension (‘SIPP’) and should not h... (31 pages)View decision -
Decision Reference DRN-5406487
18 Mar 2025 Pathlines Pensions UK Limited UpheldPensions and AnnuitiesDRN-5406487 The complaint Mr M’s complaint is that Pathlines Pensions UK Limited (previously London & Colonial Services Limited) (‘Pathlines’) failed to carry out adequate due diligence on the proposed carbon credit investment for his SIPP. He says the investment was unsuitable for ... (31 pages)View decision -
Decision Reference DRN-4514803
14 Dec 2023 ReAssure Limited UpheldPensions and AnnuitiesDRN-4514803 The complaint Mr G complains that ReAssure’s delay in transferring his pension benefits caused a £2,478 loss in value of his seven ‘P35’ series policies between 12 April and 17 June 2022, and a £1,296 loss in the value of his ‘P50’ series policy between 17 February and 15 June ... (12 pages)View decision -
Decision Reference DRN-5041548
23 Jan 2025 Equiniti Financial Services Limited Not upheldPensions and AnnuitiesDRN-5041548 The complaint Ms M has complained, with the help of a professional third party, about the transfer of her personal pension to an occupational pension scheme (‘OPS’) in June 2015. Ms M says Equiniti Financial Services Limited (‘Equiniti’) failed in its responsibilities when d... (13 pages)View decision