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 120799 results
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Decision Reference DRN-4627248
4 Jun 2024 TSB Bank plc UpheldConsumer CreditDRN-4627248 The complaint Ms C complains that TSB Bank plc incorrectly recorded missed loan payments on her credit file. What happened Ms C has a personal loan with TSB. On 22 August 2023 the direct debit payment TSB claimed was returned to Ms C’s bank due to insufficient funds. On 30 Aug... (3 pages)View decision -
Decision Reference DRN-4773594
4 Jun 2024 Fairmead Insurance Limited UpheldInsuranceDRN-4773594 The complaint Mr and Mrs N complain that Fairmead Insurance Limited unfairly declined a claim under their legal expenses insurance (LEI) policy. Where I refer to Fairmead, this includes the actions of its agents and claims handlers for which it takes responsibility. What happen... (4 pages)View decision -
Decision Reference DRN-4734154
4 Jun 2024 Computershare Investor Services Plc UpheldInvestmentsDRN-4734154 The complaint Mrs B complains that she was given incorrect information by Computershare Investor Services Plc (Computershare) about the options available to her in relation to her Employee Share Scheme. Mrs B says she was told that she could only continue contributing and exerc... (6 pages)View decision -
Decision Reference DRN-3989522
4 Jun 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3989522 The complaint Mrs S has complained about the way Creation Consumer Finance Ltd (“Creation”) responded to claims she’d made in relation to misrepresentation, breach of contract, and an alleged unfair relationship taking into account section 140A (“s140A”) of the Consumer Credit ... (5 pages)View decision -
Decision Reference DRN-4732486
4 Jun 2024 NHS (Scotland and North England) Credit Union Limited UpheldConsumer CreditDRN-4732486 The complaint Mrs M complains that NHS (Scotland and North England) Credit Union Limited trading as NHS Credit Union (“NHSCU”) irresponsibly agreed loans for her. What happened NHSCU agreed two loans for Mrs M. The first was taken out in May 2021, the second in November 2021. T... (11 pages)View decision -
Decision Reference DRN-4827335
4 Jun 2024 The Royal London Mutual Insurance Society Limited UpheldPensions and AnnuitiesDRN-4827335 The complaint This complaint is about a transfer of a personal pension policy Mr M held with The Royal London Mutual Insurance Society Limited (“Royal London”). In June 2014, he transferred this to a small self-administered scheme (“SSAS”). Mr M’s SSAS was subsequently used to ... (13 pages)View decision -
Decision Reference DRN-4833327
4 Jun 2024 Vanguard Asset Management, Ltd UpheldInvestmentsDRN-4833327 The complaint Mr L has complained that Vanguard Asset Management, Ltd (Vanguard) requested a full transfer of his cash Individual Savings Account (ISA) instead of the partial transfer he says he’d instructed. Mr L claims that he’s suffered a financial loss as a result. What hap... (9 pages)View decision -
Decision Reference DRN-4833603
4 Jun 2024 Scottish Widows Limited UpheldPensions and AnnuitiesDRN-4833603 The complaint This complaint is about a transfer of a personal pension policy Mr M held with Scottish Widows Limited (“SWL”). In June 2014, he transferred this to a small self-administered scheme (“SSAS”). Mr M’s SSAS was subsequently used to invest in a financial instrument kn... (13 pages)View decision -
Decision Reference DRN-4833073
4 Jun 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4833073 The complaint Mr C complains Options UK Personal Pensions LLP (‘Options’ - formerly Carey Pensions UK LLP) failed to fulfil its obligations in relation to its acceptance of his application for a Self- Invested Personal Pension (‘SIPP’) and subsequent investment in an overseas p... (27 pages)View decision -
Decision Reference DRN-4455492
4 Jun 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4455492 The complaint Mrs P complains about how Santander UK Plc handled a dispute she raised with it. What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my informal remit. Mrs P paid a supplier a de... (5 pages)View decision
