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-3118659
22 Oct 2021 Corporate & Professional Pensions Limited UpheldPensions and AnnuitiesDRN-3118659 The complaint Mr W complains that Corporate & Professional Pensions Limited (C&PP) did not act fairly and professionally in relation to his self-invested personal pension (SIPP). He says it did not undertake appropriate due diligence in relation to the business introdu... (37 pages)View decision -
Decision Reference DRN-4770615
30 Apr 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4770615 The complaint Mr G complains that Carey Pensions UK LLP (‘Carey’ - now called Options UK Personal Pensions LLP, but I’ll refer to Carey throughout for ease) failed to carry out sufficient due diligence on the investments made within his Self-Invested Personal Pension (‘SIPP’). ... (37 pages)View decision -
Decision Reference DRN2237862
30 Jun 2020 S & J Palmer Ltd UpheldInsurance (excluding PPI)T have complained about S & J Palmer Ltd’s (SJP) handling of T’s commercial motor vehicle insurance policies.T are represented in their complaint. But, for ease, I will refer to the representative’s comments as being those of T.backgroundI issued two provisional decisions in this compl... (35 pages)View decision -
Decision Reference DRN2430271
27 Mar 2021 Charles Street Securities Europe LLP UpheldInvestment and pensionsRef: DRN2430271 summary of complaint Mr R complains about investments he made through CSS Partners LLP (“CSSP”), an appointed representative of Charles Street Securities Europe LLP (“CSSE”). Until 2008 CSSP was an appointed representative of CSS Inc, however CSSE Europe have taken ... (38 pages)View decision -
Decision Reference DRN-3043061
17 Sep 2021 Corporate & Professional Pensions Limited UpheldPensions and AnnuitiesDRN-3043061 Complaint Ms P complains that Corporate & Professional Pensions Limited (“C&PP”) accepted business from unregulated financial advisors. Ms P says the business C&PP had dealings with, in relation to her pension, was selling personal pensions illegally, as it was not ... (40 pages)View decision -
Decision Reference DRN-3572003
17 Oct 2023 Westerby Trustee Services Limited UpheldPensions and AnnuitiesDRN-3572003 The complaint Mr R has a Self-Invested Personal Pension (‘SIPP’) with Westerby Trustee Services Limited (‘Westerby’). Mr R transferred monies from existing pension arrangements into the SIPP and the transferred monies were then invested in holdings that haven’t performed as wel... (41 pages)View decision -
Decision Reference DRN-3724325
30 Mar 2023 Westerby Trustee Services Limited UpheldPensions and AnnuitiesDRN-3724325 The complaint Mr B has a Self-Invested Personal Pension (‘SIPP’) with Westerby Trustee Services Limited (‘Westerby’). Mr B transferred monies from existing pension arrangements into the SIPP and the transferred monies were then invested in holdings that haven’t performed as wel... (43 pages)View decision -
Decision Reference DRN-5433371
24 Jul 2025 Westerby Trustee Services Limited UpheldPensions and AnnuitiesDRN-5433371 The complaint Mr F complains that Westerby Trustee Services Limited (‘Westerby’) didn’t act fairly when accepting his application from Joseph Oliver – Mediacao de Seguros LDA (‘Joseph Oliver’) for a Self-Invested Personal Pension (‘SIPP’). Mr F transferred personal pension ... (41 pages)View decision -
Decision Reference DRN-5068061
8 Oct 2024 Westerby Trustee Services Limited UpheldPensions and AnnuitiesDRN-5068061 The complaint Mr M complains that Westerby Trustee Services Limited (‘Westerby’) should have completed more checks before accepting his application from Abana Unipessoal Lda (‘Abana’), for a Self-Invested Personal Pension (‘SIPP’). Mr M’s employer transferred £50,000 direct... (42 pages)View decision -
Decision Reference DRN-5229571
23 Dec 2024 Westerby Trustee Services Limited UpheldPensions and AnnuitiesDRN-5229571 The complaint Mr G complains that Westerby Trustee Services Limited (‘Westerby’) should have completed more checks before accepting his application from Abana Unipessoal Lda (‘Abana’), for a Self-Invested Personal Pension (‘SIPP’). Mr G transferred a personal pension plan (... (42 pages)View decision