None

Financial penalty

Enforcement notice, no fine

7 March 2024

Date on the register

PECR 2003

Law relied on

PECR regulation 21, PECR regulation 26

Finance, insurance and credit

Sector

19 actions on the register

In one line

The ICO issued Pinnacle Life Limited with a enforcement notice on 7 March 2024 under the Privacy and Electronic Communications (EC Directive) Regulations 2003. No financial penalty attaches to it.

01The record

Organisation named: Pinnacle Life Limited
Action: Enforcement notice
Date published: 7 March 2024
Register year: 2024
Law relied on: PECR 2003
Provisions cited: PECR regulation 21, PECR regulation 26
Penalty: None (not a financial penalty)
Sector on the register: Finance, insurance and credit
ICO register reference: 17345
Register status: Published on the ICO enforcement register, 4 September 2026
Notice documents: 3 PDFs published by the ICO
Sector share of register: 19 of 216 actions (9%)
Actions published that year: 52
Actions under this law: 87
Position on the register: 132nd of 216, oldest first
Published the same day: This entry alone
Entries for this organisation: 2 on this register

02What happened, and where it sits

Pinnacle Life Limited received an ICO enforcement notice on 7 March 2024. The Commissioner acted under the Privacy and Electronic Communications (EC Directive) Regulations 2003, citing PECR regulation 21 and PECR regulation 26. An order to act. An enforcement notice requires the organisation to take, or stop taking, specified steps by a deadline, and failure to comply is itself an offence. PECR is a separate instrument from the UK GDPR, so this is an ICO penalty under the marketing rules and not a GDPR fine.

No sum is attached to this action. Enforcement notices are corrective, not financial, which is why Pinnacle Life Limited appears on the register without a figure beside it.

Pinnacle Life Limited is filed under Finance, insurance and credit, which accounts for 19 of the 216 actions on the register (9%). In 2024 the ICO published 52 enforcement actions in total, 17 of them enforcement notices. 87 actions on the register name PECR 2003.

Counted from the oldest entry forward, this is the 132nd of 216 actions on the register and the 12th of 19 in Finance, insurance and credit. Pinnacle Life Limited appears 2 times on this register: enforcement notice on 7 March 2024 and monetary penalty on 7 March 2024. The ICO publishes 3 documents for this action, 593 KB in total: "Pinnacle Life enforcement notice", "Pinnacle Life Limited monetary penalty notice" and "ICO fines Wigan-based Pinnacle Life £80,000 for “predatory” spam call campaign". They are the authority for everything on this page.

03The ICO's own account

Between 5 May 2021 to 5 May 2022, there were 47,998 connected calls unsolicited direct marketing calls being made to subscribers who were registered with the TPS and who had not notified Pinnacle Life Limited that they were willing to receive such calls, and four complaints being submitted as a result.

Pinnacle Life Limited came to the Commissioner's attention following a review of TPS complaints from December 2021. The TPS had been unable to identify the organisation making calls following a complaint regarding a call from "Pinnacle Insurance".

The investigation demonstrated that callers were persistent, aggressive, rude at times and ignored requests from individuals not to be contacted.

Quoted from the ICO's published register entry (ico.org.uk), Open Government Licence v3.0.

The law behind this action

PECR 2003

PECR governs electronic marketing, cookies and communications-service security. It is a separate instrument from the UK GDPR: an action taken under PECR is not a GDPR fine, and the register pages here never describe it as one.

All 87 register actions under PECR 2003

What a enforcement notice does

An order to act. An enforcement notice requires the organisation to take, or stop taking, specified steps by a deadline, and failure to comply is itself an offence.

Published notice

04Other entries for Pinnacle Life Limited

1 further entry on the register
Organisation	Date	Action	Law	Penalty	Sector
Pinnacle Life Limited	7 Mar 2024	Monetary penalty	PECR 2003	£80,000	Finance, insurance and credit

05Nearest entries on the register

Closest by sector, law and date
Organisation	Date	Action	Law	Penalty	Sector
National Debt Advice Limited	14 Oct 2024	Enforcement notice	PECR 2003	-	Finance, insurance and credit
DPG Professional Services Ltd	9 Nov 2023	Enforcement notice	PECR 2003	-	Finance, insurance and credit
Digivo Media Limited	3 Oct 2023	Enforcement notice	PECR 2003	-	Finance, insurance and credit
MCP Online Ltd	28 Sep 2023	Enforcement notice	PECR 2003	-	Finance, insurance and credit
Smart Home Ensured Limited	19 Feb 2025	Enforcement notice	PECR 2003	-	Finance, insurance and credit

All Finance, insurance and credit actions/All 2024 actions/The full register

06Work out an exposure of your own

Article 83 fine calculator

Estimate upper and lower tier exposure from turnover and infringement type, on the same scale the ICO works to.

How a fine is calculated

The Article 83(2) factors, the turnover caps, and how a regulator gets from a contravention to a number.

The ICO profile

How the UK regulator works post-Brexit, the £17.5M and £8.7M UK GDPR caps, and its divergence from the EU regime.

Provenance and independence

Source: ICO enforcement register (ico.org.uk/action-weve-taken/enforcement/), as published on 4 September 2026. Contains public sector information licensed under the Open Government Licence v3.0.

GDPRFine.com is an independent tracker of ICO enforcement. It is not affiliated with, endorsed by or connected to the Information Commissioner's Office, and it uses no ICO branding. Where the ICO's own wording is reproduced it is quoted and attributed; everything else on these pages is our own summary of the published record.

The ICO's register held 222 entries on that date. 6 of them are prosecutions of named individuals, with ages and home towns in the ICO's own summary. This tracker indexes organisations, so those 6 are excluded and every count on these pages is out of 216. They remain on the ICO's own register.

An entry says what the Commissioner did on the date shown. It is not a statement about the organisation today, and the ICO can amend or remove a register entry at any time. Amounts and provisions are as published by the ICO; where the published notice does not state a figure or name a provision, these pages say so rather than filling the gap. This entry was read from the register page at https://ico.org.uk/action-weve-taken/enforcement/2024/03/pinnacle-life-limited-en/.