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-4991238
18 Sep 2024 The Royal London Mutual Insurance Society Limited Not upheldPensions and AnnuitiesDRN-4991238 The complaint Mr C has complained about a transfer of his personal pension policies with The Royal London Mutual Insurance Society Limited (Royal London) to a small self-administered scheme (SSAS) in June 2014. Mr C’s SSAS was subsequently used in part to invest in The Resor... (16 pages)View decision -
Decision Reference DRN-4508361
14 Dec 2023 GATE CAPITAL GROUP LTD UpheldPensions and AnnuitiesDRN-4508361 The complaint Through a representative, Mr G complains that Gate Capital Group Ltd (which was at that time known as Plutus Group) unsuitably advised him to transfer his personal pensions to an Intelligent Money SIPP in order to access a portfolio managed on a discretionary basi... (15 pages)View decision -
Decision Reference DRN-4916940
29 Jul 2024 Capita Life & Pensions Regulated Services Limited UpheldPensions and AnnuitiesDRN-4916940 The complaint Mr V has complained about a transfer of his self invested personal pension (SIPP) to a small self-administered scheme (SSAS) in 2014. Mr V’s SSAS was subsequently used to invest in an overseas property investment which appears now to have little value. Mr V say... (15 pages)View decision -
Decision Reference DRN-5056099
3 Oct 2024 Aviva Life & Pensions UK Limited Not upheldPensions and AnnuitiesDRN-5056099 The complaint Mr R has complained about a transfer from his Aviva Life & Pension UK Limited (Aviva) pension to a Qualifying Recognised Overseas Pension Scheme (“QROPS”) in 2014. The transfer enabled the pension fund to be invested in an unregulated overseas investment wh... (17 pages)View decision -
Decision Reference DRN-5039160
30 Sep 2024 Interactive Investor Services Limited Not upheldPensions and AnnuitiesDRN-5039160 The complaint Mrs F has complained about a transfer of her Alliance Trust Savings (ATS) self-invested personal pension (SIPP) to an occupational pension scheme, the Focusplay Retirement Benefit Scheme (“the Scheme”) in April 2015. The Scheme has been suspected of being invol... (16 pages)View decision -
Decision Reference DRN-3398810
18 Feb 2025 The Royal London Mutual Insurance Society Limited Not upheldPensions and AnnuitiesDRN-3398810 The complaint Mrs D has complained about a transfer of her The Royal London Mutual Insurance Society Limited personal pension to a Qualifying Recognised Overseas Pension Scheme (“QROPS”) in Malta in June 2016. Mrs D’s QROPS was subsequently used to invest in a range of inves... (15 pages)View decision -
Decision Reference DRN-3043418
19 Jan 2022 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3043418 The complaint Mrs M complains about Options UK Personal Pensions LLP, trading as Carey Pensions UK LLP (Carey) at the time of the relevant events, accepting an application for a Self- Invested Personal Pension (SIPP) and an investment into C... (42 pages)View decision -
Decision Reference DRN-3071078
29 Sep 2021 Corporate & Professional Pensions Limited UpheldPensions and AnnuitiesDRN-3071078 Complaint Mr E complains about the acceptance by Corporate & Professional Pensions Limited (“C&PP”) of an application to switch his existing personal pensions to a C&PP self-invested personal pension (SIPP), for investment in a product offered by Sustainable Agroene... (40 pages)View decision -
Decision Reference DRN2283672
31 Mar 2020 Fairway Financial Consultancy Not upheldInvestment and pensionsMr H has complained that Fairway Financial Consultancy wrongly advised him to transfer his personal pension into a self-invested personal pension (SIPP), to invest in a Harlequin overseas property development.backgroundI issued a provisional decision on 11 February 2020, in which I set out... (15 pages)View decision -
Decision Reference DRN-5082710
15 Oct 2024 IFG Pensions Limited UpheldPensions and AnnuitiesDRN-5082710 The complaint Mr W complains about the service he received from IFG Pensions Limited (IFG) when opening a Self-Invested Personal Pension (SIPP), carrying out an in-specie transfer (of investments held by Firm R) and making a withdrawal. What happened Mr W says he was a resi... (16 pages)View decision