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 DRN4695789
3 Jul 2019 St Martin's Partners LLP UpheldInvestment and pensionsMr R complained about the transfer of his existing personal pensions to a newly opened self- invested personal pension (SIPP).It’s said Mr R has suffered a loss and that St Martin’s Partners LLP (SMP) are responsible for this.backgroundMr R says he was introduced to SM... (26 pages)View decision -
Decision Reference DRN-3423152
31 Mar 2023 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-3423152 The complaint Mr C complains, with the help of a representative, that London & Colonial Services Limited (‘L&C’) failed to undertake sufficient due diligence when accepting his Self-Invested Personal Pension (“SIPP”) application and allowing his subsequent investment. W... (29 pages)View decision -
Decision Reference DRN-3042876
1 Feb 2022 Redswan Limited UpheldPensions and AnnuitiesDRN-3042876 The complaint Mr H has a self-invested person pension scheme (SIPP) with Redswan Limited. In 2013 Mr H opened the SIPP and in early 2014 he invested in a loan note arrangement with a company I will call MN. That investment has now failed. Mr H’s feels Redswan did not carry out ... (31 pages)View decision -
Decision Reference DRN9893059
12 Dec 2018 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)This final decision is issued by me, Nimish Patel, an Ombudsman with the Financial Ombudsman Service. I issued a Provisional Decision on 12 January 2018 (“the Provisional Decision”) explaining that I was not minded to uphold the complaint and setting out my reasons for... (30 pages)View decision -
Decision Reference DRN-3423213
23 Mar 2023 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-3423213 The complaint Mr A complains that London & Colonial Services Limited shouldn’t have accepted his application for a Self-Invested Personal Pension (‘SIPP’) from The Alliance Partnership s.r.o. Mr A complains that The Alliance Partnership s.r.o. was an unregulated introducer ... (29 pages)View decision -
Decision Reference DRN-3423176
2 Sep 2022 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-3423176 The complaint Miss Q complains that London & Colonial Services Limited (‘L&C’) shouldn’t have accepted her application for a Self-Invested Personal Pension (‘SIPP’) from The Alliance Partnership s.r.o. (‘TAP’). Miss Q complains that TAP was unregulated and that insuffic... (28 pages)View decision -
Decision Reference DRN-6118315
13 Feb 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6118315 The complaint Mrs D’s complaint is, in essence, that Mitsubishi HC Capital UK PLC, trading as Novuna, (“Novuna”) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under s.140A of the Consumer Credit Act 1974 (as amended) (“CCA”) and... (25 pages)View decision -
Decision Reference DRN-3042840
1 Feb 2022 Redswan Limited UpheldPensions and AnnuitiesDRN-3042840 The complaint Mr D has a self-invested person pension scheme (SIPP) with Redswan Limited. In 2013 he invested in his SIPP in a loan note arrangement with a company I will call MN. That investment has now failed. Mr D’s feels Redswan owes him a duty of care to help protect him f... (30 pages)View decision -
Decision Reference DRN-3477010
17 May 2022 The On-Line Partnership Limited UpheldPensions and AnnuitiesDRN-3477010 The complaint Mr R complains about advice he received from Premier Financial Advice Limited (PFA) in 2017. He says he was advised to transfer the benefits in his occupational pension scheme (OPS) to a personal pension. In general Mr R questions the suitability of the advice he ... (23 pages)View decision -
Decision Reference DRN-3408544
31 Mar 2022 Gallium Fund Solutions Limited UpheldInvestmentsDRN-3408544 Complaint Mr W complains that he lost the money he invested into a three year bond issued by Basset & Gold Plc (“B&G plc”). He says he thinks the bond was mis-sold to him, and would like to be compensated for his loss. Background The B&G Plc Bond Mr W invested in a ... (30 pages)View decision