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Sesame Limited
Legal entity: Sesame Limited
FCA register status: Authorised — the FCA’s own status for this firm reference, not our finding. See the FCA’s own record on the Financial Services Register.
Companies House 02844161, incorporated August 1993
60banking decisions
23.3%uphold rate
46not upheld
Beyond banking
The figures above cover this firm’s banking, credit and mortgage decisions only. The Ombudsman also decided complaints about it in other sectors, which behave differently and are kept separate rather than averaged in.
| Sector | Decisions | Uphold rate |
|---|---|---|
| Investments and pensions | 127 | 53.5% |
| Banking, credit and mortgages — shown above | 60 | 23.3% |
| Payment protection insurance | 33 | 39.4% |
| Insurance (excluding PPI) | 16 | — |
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| Product mis-sold | 48 | 9 | 18.8% |
| Mortgage administration | 13 | 5 | 38.5% |
The official record
What the firm itself reports to the regulator, scoped to banking and credit complaints only. This is a different measure from the decisions above — it covers all complaints a firm received, not only those that reached an ombudsman. Firms report on periods set by the regulator, which are not always the calendar half-year the file was published under (shown below where they differ). No period-over-period change is calculated here — these are the reported figures only. See the scorecard for all three measures side by side.
| Source | Period | Upheld | Opened | Closed | New cases |
|---|---|---|---|---|---|
| FCA | 2019-H2 01 July 2019 to 31 December 2019 | — | 0 | 0 | — |
| FCA | 2019-H1 01 January 2019 to 30 June 2019 | — | 0 | 0 | — |
What the regulator did
FCA final notices naming this firm. This is a separate record from the Ombudsman decisions above: the Ombudsman resolves individual complaints, the FCA penalises the firm for rule breaches.
| Date | Penalty | Breach |
|---|---|---|
| 29 Oct 2014 | £1,598,000 | For failure to manage conflicts of interest. |
| 5 Jun 2013 | £6,031,200 | For failing to ensure advice given to customers was suitable and for poor systems and controls. |
Decisions are attributed to a firm only where the decision text names it unambiguously. Where a name could refer to more than one firm, the decision is left unattributed rather than guessed, so these counts are a floor, not a total. Method.