Firm analysis

Sesame Limited complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Sesame Limited, including outcome context, product mix, complaint themes, and representative cases.

Page summary

479 published decisions involving Sesame Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

479

Firm-specific decision volume in the public corpus

Upheld rate

41.5%

199 upheld decisions

Latest published decision 18 Dec 2025

Published decisions

479

Firm-specific decision volume in the public corpus

Upheld rate

41.5%

199 upheld decisions

Leading product

Investment and pensions

221 decisions

Leading complaint theme

Delay In Claim Handling

63 tagged decisions

Sesame Limited at a glance

Sesame Limited appears in 479 published decisions in this corpus. 41.5% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Investment and pensions is the firm’s clearest product exposure in the published decisions, with 221 decisions and an upheld rate of 43.4%.

  • Latest active year in the published data: 2025 (11 decisions)
  • Most common complaint theme: Delay In Claim Handling
  • Most common precedent signal: Disp

Volume and outcome trajectory

Sesame Limited's decision trail runs from 2013 to 2025. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, Sesame Limited appeared in 11 published decisions with an upheld rate of 63.6%.

  • 2025: 11 decisions, 63.6% upheld
  • 2024: 17 decisions, 82.3% upheld
  • 2023: 21 decisions, 61.9% upheld
  • 2022: 22 decisions, 36.4% upheld
  • 2021: 17 decisions, 52.9% upheld

Themes, products, and precedent signals

Delay In Claim Handling is the strongest complaint-theme signal tied to Sesame Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Disp, Fsma, Cobs, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

  • Investment and pensions: 221 decisions
  • Second complaint theme: Affordability Assessment Failure
  • Second precedent signal: Fsma

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-602911218 Dec 2025Upheld

Sesame Limited · Insurance

DRN-6029112 The complaint Mr and Mrs C have complained that an appointed representative of Sesame Limited mis- sold their household insurance policy. Mrs C has been the main contact on the complaint, so I will refer to her throughout. What happened Mr and Mrs C took out a home insurance... (8 pages)

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DRN-572413318 Sept 2025Upheld

Sesame Limited · Pensions and Annuities

DRN-5724133 The complaint Miss G complains that the advice Sesame Limited (Sesame) gave her in 1993 to transfer her defined benefit (DB) pension with her former employer to a personal pension arrangement wasn’t in her best interests. Miss G was advised by MRH Consultants. As Sesame is ... (4 pages)

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DRN-557416921 Aug 2025Upheld

Sesame Limited · Pensions and Annuities

DRN-5574169 The complaint Mr N complains that the advice Sesame Limited gave him to transfer his defined pension benefits from his former occupational pension scheme (OPS) to a personal pension arrangement wasn’t in his best interests. What happened Mr N’s complaint was considered by on... (3 pages)

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DRN-573926607 Aug 2025Upheld

Sesame Limited · Pensions and Annuities

DRN-5739266 The complaint Mr C complains that he was unsuitably advised by Braemar Financial Planning Limited (BFPL) to transfer deferred benefits from his defined benefit (DB) pension to a Section 32 buy-out plan with Legal and General in 1995. BFPL is a member of Sesame Limited who ha... (5 pages)

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DRN-541069511 Jul 2025Not upheld

Sesame Limited · Insurance

DRN-5410695 The complaint The estate of Mrs Y complains that an appointed representative of Sesame Limited gave Mrs Y incorrect advice when she wanted to take out a life insurance policy. Mr Y has brought this complaint on behalf of Mrs Y’s estate. And I’ll refer to Sesame’s appointed r... (3 pages)

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