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 DRN6934099
7 Nov 2016 James & James Financial Advisers Limited UpheldInvestment and pensionsMr G complains about James & James Financial Advisers Limited (“the business”). He says he was given unsuitable advice to transfer his personal pension plans (PPP) to a self- invested personal pension (SIPP). The SIPP was set up to allow Mr G to invest in an off-p... (7 pages)View decision -
Decision Reference DRN5277383
16 Mar 2017 Duncan Lawrie Limited UpheldInvestment and pensionsMr Y complains that Duncan Lawrie Limited (DLL):•Disclosed his account information to a third party without his authority.• Invested in the JP Morgan Euro Liquidity Fund (the JPM fund) without authority.•Hasn’t disclosed details of all accounts held by his father.• In... (4 pages)View decision -
Decision Reference DRN6122438
8 Sep 2017 Bank of Scotland Plc Not upheldBanking and creditMiss W, who is represented by her mother, Mrs M, complains that Bank of Scotland plc treated her badly in its handling of fraudulent traveller’s cheques she deposited. backgroundIn July 2015 Miss W deposited some traveller’s cheques at a local branch. They had been g... (2 pages)View decision -
Decision Reference DRN2334402
16 Dec 2020 S4 Financial Ltd Not upheldInvestment and pensionsMr O has complained about advice he received from S4 Financial Ltd to invest in the Merchant Place Property Partnership 62 (MPPP62) in March 2007. In particular, Mr O has said that the individual investment wasn’t suited to his balanced risk profile, and that, in recommending the investmen... (51 pages)View decision -
Decision Reference DRN-4492164
15 Jan 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4492164 The complaint Mr E complains that London & Colonial Services Limited (‘L&C’) didn’t undertake sufficient due diligence on the firm, 1 Stop Financial Services, that introduced him to L&C. Mr E also complains that L&C didn’t undertake sufficient due diligence on i... (44 pages)View decision -
Decision Reference DRN-3109926
4 Jul 2022 Portal Financial Services LLP UpheldPensions and AnnuitiesDRN-3109926 The complaint Mr Q has complained about advice he received from Portal Financial Services LLP (‘Portal’) in relation to a defined benefit occupational pension scheme (‘OPS’). Portal processed the transfer of Mr Q’s OPS benefits on an ‘insistent client’ basis to a personal pensi... (11 pages)View decision -
Decision Reference DRN-4172229
11 Aug 2023 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-4172229 The complaint Mr H complains that Mitsubishi HC Capital UK Plc, trading as Novuna Personal Finance (“Novuna”), declined his claim about a defective hot tub under section 75 of the Consumer Credit Act 1974. What happened In late 2020 Mr H bought a hot tub from a third party (“th... (5 pages)View decision -
Decision Reference DRN2306089
2 Feb 2015 Lloyds Bank PLC Not upheldInvestment and pensionsMr and Mrs G’s complaint concerns a Guaranteed Investment Bond taken out with Lloyds Bank PLC in 2006. They say they were assured of a reasonable return on their investment but on maturity the bond returned very little. They therefore feel that it was mis-sold.backgroundOur adjudicato... (2 pages)View decision -
Decision Reference DRN7599447
9 Dec 2020 TSB Bank plc Not upheldBanking and creditMr Y is unhappy TSB Bank plc has refused to refund the money he lost after falling victim to a scam. background On 30 August 2018 Mr Y asked the bank to transfer £2,790 to a third party to pay for a car he’d seen for sale on a social media site. He expected the car to be delivered the next... (2 pages)View decision -
Decision Reference DRN1036197
12 Dec 2014 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs K complain that National Westminster Bank Plc has removed £12,448.61 from their account and will not refund that amount to them. Mr and Mrs K are being helped with their complaint by a representative.backgroundA £50,000 cheque was deposited into Mr and Mrs K’s NatWest join... (2 pages)View decision
