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 366350 results
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Decision Reference DRN9011173
6 Oct 2015 Skipton Financial Services Ltd Not upheldInvestment and pensionsThe complaint concerns Mrs B’s FTSE Kickout bond arranged by Skipton Financial Services Ltd in 2007. She’s dissatisfied with the returns on her investment and says she wasn’t provided with documentation about the product. backgroundOur adjudicator didn’t recommend the ... (2 pages)View decision -
Decision Reference DRN3659803
6 Oct 2015 Bank of Scotland Plc Not upheldInvestment and pensionsMr W complains that Bank of Scotland plc (“BoS”) mis-sold him a personal pension plan. It did not explain a Market Value Reduction (“MVR”) would apply if he took benefits early.backgroundMr W got advice from BoS in 1988 to contract out of the state earnings related pen... (3 pages)View decision -
Decision Reference DRN5718908
6 Oct 2015 Coutts & Company UpheldInvestment and pensionsMr S complains that Coutts and Company (Coutts) invested his self invested personal pension (SIPP) into a hedge fund when he didn’t authorise it to do so. He says he has lost out financially as a result. backgroundIn 2006 Mr S appointed Coutts as the investment m... (3 pages)View decision -
Decision Reference DRN5697879
6 Oct 2015 Canada Life Limited Not upheldInvestment and pensionsMr H has complained about two plans sold by Canada Life Limited in 1985. As well as a whole of life (WOL) plan, he was sold an additional convertible term assurance plan. He said he didn’t need the cover as his wife was an equal partner in his business and could ... (3 pages)View decision -
Decision Reference DRN1843833
6 Oct 2015 Aviva Life Services UK Limited Not upheldInvestment and pensionsMrs P complains that the premium payable under her whole of life policy with Aviva Life Services UK Limited has been increased by more than the limit set out in the policy. backgroundMrs P took out a whole of life policy with Aviva in 1994. Aviva reviewed the poli... (2 pages)View decision -
Decision Reference DRN4007447
6 Oct 2015 Legal & General Assurance Society Limited Not upheldInsurance (excluding PPI)Mr D is complaining about Legal & General Assurance Society Limited because it didn’t pay out on his critical illness insurance when it should have.backgroundMr D took out a flexible mortgage plan with his ex-wife in 1997. The plan included a PEP designed to help rep... (3 pages)View decision -
Decision Reference DRN7172707
6 Oct 2015 TD Direct Investing (Europe) Limited UpheldInvestment and pensionsMr H complains that, due to an error on TD Direct Investing (Europe) Limited’s (TD) website, the value of his portfolio was overstated. Mr H says this error has caused him financial loss.background Mr H holds a trading account with TD. Mr H logged onto his account in l... (2 pages)View decision -
Decision Reference DRN4900130
6 Oct 2015 Bank of Scotland Plc Not upheldInvestment and pensionsMr H’s complaint concerns the sale of a Bonus Bond by Bank of Scotland plc (Halifax). He is unhappy with the return achieved by the bond and says the adviser failed to highlight the risks associated with it. He also complains that he paid approximately £800 to set u... (2 pages)View decision -
Decision Reference DRN4453764
6 Oct 2015 Hargreaves Lansdown Asset Management Limited Not upheldInvestment and pensionsMr G complains that the service provided to him by Hargreaves Lansdown Asset Management Limited (“HLAM”‘) during 2015 was below the standard he was reasonably entitled to expect. backgroundSpecifically Mr G complains that: HLAM failed to apply to his account its platform... (2 pages)View decision -
Decision Reference DRN1651535
6 Oct 2015 The Prudential Assurance Company Limited UpheldInvestment and pensionsMrs K complains that The Prudential Assurance Company Limited made mistakes and delayed in surrendering part of her investment bond. This caused her a great deal of worry, inconvenience and upset.backgroundMrs K has an investment bond with Prudential which she gets a mon... (3 pages)View decision
