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-5094736
22 Oct 2024 The Royal London Mutual Insurance Society Limited Not upheldPensions and AnnuitiesDRN-5094736 The complaint Mr G has complained, with the help of a professional third party, about the transfer of his personal pension, which was held with The Royal London Mutual Insurance Society Limited (‘Royal London’) to a Qualifying Recognised Overseas Pension Scheme (“QROPS”) in ... (17 pages)View decision -
Decision Reference DRN-4977836
28 Aug 2024 ReAssure Limited Not upheldPensions and AnnuitiesDRN-4977836 The complaint Miss D has complained about a transfer of her ReAssure Limited personal pension to a small self-administered scheme (SSAS 1 ) in July 2014. Miss D’s SSAS funds were subsequently used to invest in an overseas commercial property development and a discretionary f... (17 pages)View decision -
Decision Reference DRN-5005274
5 Sep 2024 AJ Bell Management Limited Not upheldPensions and AnnuitiesDRN-5005274 The complaint Mr P has a self-invested personal pension (‘SIPP’) with AJ Bell Management Limited (‘AJ Bell’). In 2008 he made several investments in his pension which he says have lost all of their value. Mr P’s complaint is that AJ Bell did not carry out adequate checks bef... (18 pages)View decision -
Decision Reference DRN-4794280
31 Jul 2024 The National Farmers' Union Mutual Insurance Society Limited UpheldPensions and AnnuitiesDRN-4794280 The complaint Mr E has complained about a transfer of his personal pension with The National Farmers’ Union Mutual Insurance Society Limited (NFU) to a small self-administered scheme (SSAS) in 2014. Mr E’s SSAS was subsequently used to invest in Dolphin Capital and an overse... (16 pages)View decision -
Decision Reference DRN-5630592
20 Jun 2025 IFG Pensions Limited UpheldPensions and AnnuitiesDRN-5630592 The complaint Mr C’s complaint concerns his self-invested personal pension (SIPP), provided by IFG Pensions Limited (IFG). A Claims Management Company (CMC) has brought the complaint on Mr C’s behalf. The CMC says: IFG's negligent acceptance of instructions from Howde... (20 pages)View decision -
Decision Reference DRN2049363
19 Jan 2021 Best Practice IFA Group Limited UpheldInvestment and pensionsComplaint Mr R is being represented by solicitors. He’s complaining about Best Practice IFA Group Limited (Best Practice) because he says he was given unsuitable advice to switch pension benefits into a self-invested personal pension (SIPP) and place the money in unregulated investments. M... (18 pages)View decision -
Decision Reference DRN-4838830
17 Jun 2024 Equity For Growth (Securities) Limited UpheldInvestmentsDRN-4838830 The complaint Ms B complains that she was mis-sold an investment by Equity for Growth (Securities) Limited (EforG). She says the investment sold to her didn’t meet her needs and HJ didn’t provide best advice taking into account her circumstances. She requested her original capi... (20 pages)View decision -
Decision Reference DRN-4651620
29 Feb 2024 True Potential Wealth Management LLP UpheldPensions and AnnuitiesDRN-4651620 The complaint Mr B complains about the actions of Ms X. He says Ms X gave him unsuitable advice to move a pension to his self-invested personal pension (SIPP) to make a high-risk investment. He says True Potential Wealth Management LLP (True Potential) is responsible for his lo... (21 pages)View decision -
Decision Reference DRN-5982056
22 Jan 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5982056 The complaint Mr and Mrs S’s complaint is, in essence, that Shawbrook Bank Limited (“the Lender”) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under section 140A of the Consumer Credit Act 1974 (as amended) (“the CCA”) and (2)... (20 pages)View decision -
Decision Reference DRN-4379082
15 Dec 2023 U K Insurance Limited UpheldInsuranceDRN-4379082 The complaint Ms B and Mr L complain about U K Insurance Limited’s (“UKI”) handling of their claim under their buildings insurance policy. Ms B has acted as the main representative during the claim and complaint process. So, for ease of reference, I will refer to any actions ta... (16 pages)View decision