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 4037 results
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Decision Reference DRN-4956684
9 Aug 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4956684 The complaint Mr X complains that London & Colonial Services Limited (‘L&C’) didn’t undertake sufficient due diligence on a regulated advisory firm who I will refer to as ‘Firm A’ – Firm A advised Mr X to transfer his previous pension plan to a L&C self-invested ... (45 pages)View decision -
Decision Reference DRN-5397139
17 Mar 2025 The Heritage Financial Planning Partnership UpheldInvestmentsDRN-5397139 The complaint Mr C complains about the suitability of advice he was given to invest into an Individual Savings Account (ISA) by The Heritage Financial Planning Partnership (Heritage). What happened The details of what happened are well known to both parties and were covered... (6 pages)View decision -
Decision Reference DRN-4471893
7 Jun 2024 Marsh Finance Limited UpheldConsumer CreditDRN-4471893 The complaint Mrs A complains that a used car supplied by Marsh Finance Ltd under a finance agreement is of unsatisfactory quality. Mrs A is represented by a third party but I’ll refer to everything that’s been said on her behalf as if Mrs A said it herself, to keep things simp... (5 pages)View decision -
Decision Reference DRN-5181933
2 Dec 2024 Pathlines Pensions UK Limited UpheldPensions and AnnuitiesDRN-5181933 The complaint Mrs M complains that Pathlines Pensions UK Limited allowed her to transfer out of her defined-benefit (‘DB’) occupational pension scheme into a Self-Invested Personal Pension (‘SIPP’) and to invest in Store First Limited (‘Store First’). Pathlines Pensions UK ... (51 pages)View decision -
Decision Reference DRN-3191715
13 Dec 2021 Honda Finance Europe Plc UpheldConsumer CreditDRN-3191715 The complaint Mr M complains that the vehicle he acquired through a fixed sum loan agreement with Honda Finance Europe plc wasn’t of satisfactory quality. What happened Mr M entered a fixed sum loan agreement (point of sale loan) in August 2019 to acquire a used vehicle. He pai... (8 pages)View decision -
Decision Reference DRN-3899417
13 Jan 2023 Portal Financial Services LLP UpheldPensions and AnnuitiesDRN-3899417 The complaint Mr S complains that Portal Financial Services LLP (Portal) gave him unsuitable advice to transfer a defined benefit occupational pension scheme (OPS) he held with his former employer and three Personal Pension plans (PP) to a Self-Invested Personal Pension (SIPP).... (14 pages)View decision -
Decision Reference DRN4673539
31 Dec 2018 Pendragon Finance and Insurance Services Limited UpheldBanking and creditMrs W complains that she was mis-sold a finance agreement by Pendragon Finance and Insurance Services Limited. backgroundIn October 2017 Mrs W was supplied with a car and entered into a hire purchase agreement with Pendragon Finance.Mrs W says that she made the sales... (3 pages)View decision -
Decision Reference DRN-2684647
19 Mar 2021 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-2684647 The complaint Mr E complains that a used car he got with a hire purchase agreement (HPA) provided by Blue Motor Finance Limited (BMF) was of unsatisfactory quality. He feels misled by the supplying dealer and he’s unhappy with the way that BMF responded to his complaint. What h... (4 pages)View decision -
Decision Reference DRN-5093956
14 Feb 2025 HBOS Investment Fund Managers Limited Not upheldInvestmentsDRN-5093956 The complaint The estate of Mrs S complains that when Mrs S’s late husband passed away in 2018, HBOS Investment Fund Managers Limited (HIFML) didn’t give her any advice in relation to what should happen to his stocks and shares Individual Savings Account (ISA) and so the inv... (6 pages)View decision -
Decision Reference DRN-3594994
20 Oct 2022 Target Servicing Limited UpheldMortgagesDRN-3594994 The complaint Mr T complains that Target Servicing Limited wouldn’t allow him to redeem his help to buy loan, which meant that the sale of his property fell through. What happened Mr T bought a flat with the assistance of the help to buy scheme in 2012. The help to buy scheme i... (24 pages)View decision
