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
-
Decision Reference DRN5433226
12 Feb 2020 The Royal Bank of Scotland Plc Not upheldInvestment and pensionsMr H complains on behalf of two Discretionary Trusts (‘the DTs’) – and the respective trust funds managed by The Royal Bank of Scotland Plc (‘RBS’) between 2008 and 2014. During this period RBS was the principal and professional trustee (and investment manager) for both trust funds, and Mr... (6 pages)View decision -
Decision Reference DRN-4607310
7 Feb 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4607310 The complaint Mr T complains about the due diligence London & Colonial Services Limited (L&C) undertook before accepting Mr T’s application for a Self-Invested Personal Pension (SIPP). Mr T complains that L&C failed to identify that the proposed investment to be hel... (42 pages)View decision -
Decision Reference DRN-4718951
3 Apr 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4718951 The complaint Mr M complains Options UK Personal Pensions LLP (‘Options’ - formerly Carey Pensions UK LLP) failed to undertake due diligence on his application for a Self-Invested Personal Pension (‘SIPP’) and subsequent investments in an overseas property-based investment sche... (30 pages)View decision -
Decision Reference DRN-4676999
27 Mar 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4676999 The complaint Miss C has a self-invested personal pension (‘SIPP’) with London & Colonial Services Limited (‘L&C’). Miss C complains that she transferred two deferred Occupational Pension Schemes (‘OPS’) Defined Benefit (‘DB’) pensions and a personal pension plan to the... (48 pages)View decision -
Decision Reference DRN5534255
29 Aug 2013 Nationwide Building Society Not upheldInvestment and pensionsMr C has complained through a third party representative that advice he received from Nationwide Building Society in April and August 2011 to redirect some of his capital from deposit-based accounts to a stocks and shares Individual Savings Account (ISA) was unsuitable. Specifically, h... (2 pages)View decision -
Decision Reference DRN-3989461
28 Feb 2023 Aqua Financial Limited UpheldPensions and AnnuitiesDRN-3989461 The complaint Miss P complains that Aqua Financial Limited (AQUA) gave her unsuitable advice to consolidate her personal pension plans (PPP) into one plan held within a Self-Invested Personal Pension (SIPP), and to take regular withdrawals from it to fund her retirement. Miss P... (11 pages)View decision -
Decision Reference DRN6816654
13 Jan 2017 Clydesdale Financial Services Limited Not upheldBanking and creditMr T complains about a car he financed through a conditional sale agreement with Clydesdale Financial Services Limited.background Mr T says he’s had many problems with the car since driving it away from the dealer. These include: oil and engine management lights coming ... (4 pages)View decision -
Decision Reference DRN-4108407
28 Jul 2023 NRAM Limited Not upheldMortgagesDRN-4108407 The complaint Mr S complains that NRAM Limited were lending irresponsibly when they offered him four buy-to-let mortgages on interest only terms. He also complains about the interest rate charged on the mortgages and his inability to re-mortgage on a lower interest rate. What h... (7 pages)View decision -
Decision Reference DRN0711336
4 Jun 2014 National Westminster Bank Plc Not upheldBanking and creditMr K complains about a number of fraudulent transactions on his National Westminster Bank Plc (‘NatWest’) bank account that he says he didn’t make or authorise. backgroundMr K opened a current account with NatWest on 6 January 2014, depositing some £1,800. Mr K was told that he would... (1 page)View decision -
Decision Reference DRN-5838076
29 Sep 2025 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-5838076 Complaint Mr R complains that Clydesdale Financial Services Limited (trading as Barclays Partner Finance (“Barclays PF”)) unfairly entered into a conditional sale agreement with him. Mr R’s complaint has been made by a representative who I’ll refer to as the representative ... (5 pages)View decision
