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 2116 results
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Decision Reference DRN-4549184
30 Jan 2024 The Royal London Mutual Insurance Society Limited Not upheldInsuranceDRN-4549184 The complaint Mr J complains that the whole of life policy he took out with The Royal London Mutual Insurance Society Limited (‘Royal London’) to provide funeral costs in the event of his wife’s death was unsuitable. He says he wasn’t told about the charges, that the policy was... (4 pages)View decision -
Decision Reference DRN-4587351
29 Jan 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4587351 The complaint Mr M 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 M also complains that L&C didn’t undertake sufficient due diligence on i... (44 pages)View decision -
Decision Reference DRN-4586886
29 Jan 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4586886 The complaint Mr B complains about the due diligence London & Colonial Services Limited (‘L&C’) undertook before accepting Mr B’s application. Mr B complains that in 2012 L&C accepted his Self-Invested Personal Pension (‘SIPP’) application and allowed him to invest ... (52 pages)View decision -
Decision Reference DRN-4402954
29 Jan 2024 The Royal London Mutual Insurance Society Limited UpheldPensions and AnnuitiesDRN-4402954 The complaint Mrs M complained about service from The Royal London Mutual Insurance Society Limited (The Royal). What happened Mrs M said she approached The Royal for further information to help make a decision about her pension options. Her questions were not answered fully wh... (3 pages)View decision -
Decision Reference DRN-4554668
25 Jan 2024 The Royal London Mutual Insurance Society Limited Not upheldInsuranceDRN-4554668 The complaint Miss M and Mr D are unhappy that The Royal London Mutual Insurance Society Limited declined a terminal illness claim made by Miss M on their life cover plan (‘the plan’). As this complaint is about the claim made on the plan by Miss M, and for ease, I’ll refer to ... (2 pages)View decision -
Decision Reference DRN-4389539
24 Jan 2024 Evergreen Finance London Limited Not upheldConsumer CreditDRN-4389539 The complaint Mrs B complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) hasn’t correctly updated her credit file to reflect she repaid her loan after she withdrew from the credit agreement within the 14-day cooling off period. Mrs B says th... (3 pages)View decision -
Decision Reference DRN-4283078
23 Jan 2024 The Royal London Mutual Insurance Society Limited Not upheldInsuranceDRN-4283078 The complaint Mrs P’s complained that The Royal London Mutual Insurance Company Limited (“RL”) can’t explain to her what has happened to two life insurance policies she bought a number of years ago. What happened In autumn 2022, Mrs P was contacted by RL about a policy she’d bo... (2 pages)View decision -
Decision Reference DRN-4515002
23 Jan 2024 London Stone Securities Limited UpheldInvestmentsDRN-4515002 The complaint Mr M complains that London Stone Securities Limited (LSS) arranged for him to buy high risk and illiquid investments which weren’t right for him. He’s suffered financial losses as a result for which he’d like to be compensated. What happened One of our investigato... (9 pages)View decision -
Decision Reference DRN-4533839
22 Jan 2024 The Royal London Mutual Insurance Society Limited UpheldInsuranceDRN-4533839 The complaint Mr S is unhappy with the way in which The Royal London Mutual Insurance Society Limited handled a claim made on a life and critical illness policy, including delays assessing and paying the claim. What happened Mr S was unfortunately diagnosed with a critical illn... (3 pages)View decision -
Decision Reference DRN-4293762
22 Jan 2024 Evergreen Finance London Limited UpheldConsumer CreditDRN-4293762 The complaint Mr K complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk irresponsibly lent to him. What happened MoneyBoat lent Mr K six loans between June 2022 and May 2023, the details of the loans are as follows: Loan number Start date Loan amount (£) T... (3 pages)View decision