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 121262 results
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Decision Reference DRN-4582976
1 Feb 2024 AMG Wealth Solutions LLP UpheldPensions and AnnuitiesDRN-4582976 The complaint Mr P complains about the advice given by AMG Wealth Solutions LLP (‘AMG’) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme, the British Steel Pension Scheme (‘BSPS’), to a personal pension. He says the advice was unsuitable for ... (4 pages)View decision -
Decision Reference DRN-4465617
1 Feb 2024 Nelson Insurance Company Ltd UpheldInsuranceDRN-4465617 The complaint Mr L has complained about his car insurer Nelson Insurance Company Limited because it has declined his claim for his stolen car, it said he didn’t take reasonable care of it. What happened Mr L went to bed on the evening of 21 August 2022. When he got up the next ... (2 pages)View decision -
Decision Reference DRN-4581226
31 Jan 2024 Fairmead Insurance Limited UpheldInsuranceDRN-4581226 The complaint Mr O complains that Fairmead Insurance Limited (Fairmead) unfairly declined his property insurance claim and caused unnecessary delays. Any reference to Mr O or Fairmead in this decision includes their respective representatives and agents unless specified otherwi... (4 pages)View decision -
Decision Reference DRN-4184223
31 Jan 2024 BeaconIFA Limited UpheldPensions and AnnuitiesDRN-4184223 The complaint Mr W complains about the advice given by BeaconIFA Limited (‘Beacon’) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme, the British Steel Pension Scheme (‘BSPS’), to a personal pension. He says the advice was unsuitable for him ... (6 pages)View decision -
Decision Reference DRN-4591129
31 Jan 2024 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-4591129 The complaint Mr C has complained about the quality of a car he acquired under a conditional sale agreement with Santander Consumer (UK) plc T/A Santander Consumer Finance (SCUK). What happened In April 2023 Mr C acquired a used electric car under a conditional sale agreement w... (7 pages)View decision -
Decision Reference DRN-4128710
31 Jan 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4128710 The complaint Mr G is unhappy that Santander UK Plc hasn’t refunded the £35,000 he lost after he was the victim of an investment scam. What happened In July 2022 Mr G made two transactions totalling £35,000 to a cryptocurrency provider (I will refer to as N) having seen an adve... (8 pages)View decision -
Decision Reference DRN-4551234
31 Jan 2024 Santander UK Plc UpheldMortgagesDRN-4551234 The complaint Mr R complains about the way Santander UK plc (“Santander”) handled his mortgage application. What happened In July 2022 Mr R applied as a first-time buyer for a mortgage with Santander. He wanted to borrow £330,000. From early July 2022 to mid-August 2022 Santand... (4 pages)View decision -
Decision Reference DRN-4585790
31 Jan 2024 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-4585790 The complaint Mr and Mrs M thought Royal & Sun Alliance Insurance Limited (“RSA”) unfairly voided their home insurance policy and declined their claim due to a misrepresentation made when taking out the policy. What happened Mr and Mrs M made a claim for theft from their ho... (3 pages)View decision -
Decision Reference DRN-4575776
31 Jan 2024 Fairmead Insurance Limited UpheldInsuranceDRN-4575776 The complaint Mr G and Ms G complain about the way Fairmead Insurance Limited has dealt with a claim on their home insurance policy, in particular that they were told the claim would be treated as having a ‘nil’ value until it was finalised and would not affect their premiums. ... (5 pages)View decision -
Decision Reference DRN-4504733
31 Jan 2024 MoneyGram International Limited UpheldBanking and PaymentsDRN-4504733 The complaint Mr P complains MoneyGram International Limited provided him with poor service and unfairly closed his account. What happened The Investigator has set out the circumstances of Mr M’s complaint in detail already so I will only provide a summary of the key points her... (3 pages)View decision
