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 370149 results
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Decision Reference DRN-3552955
11 Feb 2025 Phoenix Life Limited Not upheldPensions and AnnuitiesDRN-3552955 The complaint Mr L has complained, with the help of a professional third party, about the transfer of his Phoenix Life Limited (‘Phoenix’) pensions to a Qualifying Recognised Overseas Pension Scheme (‘QROPS’) in December 2014. The QROPS was subsequently used to invest in a m... (12 pages)View decision -
Decision Reference DRN-5318674
11 Feb 2025 Covea Insurance plc UpheldInsuranceDRN-5318674 The complaint A microenterprise which I will refer to as B complains about the handling and settlement of its commercial insurance claim by Covea Insurance plc. What happened The following is intended only as a brief summary of events. Additionally, whilst a number of partie... (8 pages)View decision -
Decision Reference DRN-5319714
11 Feb 2025 ARAG Legal Expenses Insurance Company Limited Not upheldInsuranceDRN-5319714 The complaint Mr and Mrs K complain that when they made a claim on their loss adjuster fees insurance policy, the loss adjuster appointed by ARAG Legal Expenses Insurance Company Limited gave inaccurate information about a claim on their buildings insurance, which led to the... (2 pages)View decision -
Decision Reference DRN-5297771
11 Feb 2025 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5297771 The complaint A limited company, which I’ll refer to as H, complains that Barclays Bank UK PLC did not fulfil its obligations under the Direct Debit Guarantee (“DDG”) Scheme, when H requested a refund. What happened On 9 May 2024, H contacted the bank to request a refund of ... (3 pages)View decision -
Decision Reference DRN-5025259
11 Feb 2025 Scottish Widows Limited Not upheldPensions and AnnuitiesDRN-5025259 The complaint Mr H has complained about a transfer of his Scottish Widows Limited personal pension to a Qualifying Recognised Overseas Pension Scheme (QROPS) based in Malta on 26 November 2014. Mr H’s QROPS was subsequently used to invest in Dolphin Capital (Dolphin), which ... (11 pages)View decision -
Decision Reference DRN-5256041
11 Feb 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5256041 The complaint Miss B says NewDay Ltd trading as BIP (‘BIP’), irresponsibly lent to her. She says that it didn’t take reasonable steps to ensure she could afford the card repayments and it increased her credit limit three times. She says she spent the balance each month and s... (4 pages)View decision -
Decision Reference DRN-5302003
11 Feb 2025 Metro Bank PLC Not upheldMortgagesDRN-5302003 The complaint This complaint’s about a mortgage application Mrs and Mr T made to Metro Bank PLC. The application was turned down, because the surveyor instructed by Metro Bank to value their property for mortgage purposes assessed it as unsuitable security without a structur... (3 pages)View decision -
Decision Reference DRN-5018592
11 Feb 2025 Phoenix Life CA Limited Not upheldPensions and AnnuitiesDRN-5018592 The complaint Mr H has complained about a transfer of his personal pension now with Phoenix Life CA Limited (Phoenix Life) to a Qualifying Recognised Overseas Pension Scheme (QROPS) based in Malta on 11 March 2015. Mr H’s QROPS was subsequently used to invest in Dolphin Capi... (10 pages)View decision -
Decision Reference DRN-5005926
11 Feb 2025 Phoenix Life Limited Not upheldInvestmentsDRN-5005926 The complaint Mr and Mrs F complain that Phoenix Life Limited (‘PL’) didn’t properly charge fees or manage their mortgage endowment policy causing there to be a shortfall when it matured. What happened Mr and Mrs F received advice, from another firm, to take out a mortgage ... (5 pages)View decision -
Decision Reference DRN-5107039
11 Feb 2025 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-5107039 The complaint Miss M has complained that Creation Consumer Finance Ltd incorrectly told her that her account had been cleared, and this led her to take out other finance, causing financial hardship. What happened Miss M contacted Creation in January 2024, and was told that h... (2 pages)View decision
