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 125400 results
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Decision Reference DRN-4758818
24 Apr 2024 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4758818 The complaint Mr J complains about the service he received from Bank of Scotland plc, trading as Halifax, surrounding his request to add his wife to his account as a joint account holder. What happened Mr J and his wife wanted to open a joint current account with Halifax. But H... (3 pages)View decision -
Decision Reference DRN-4760540
24 Apr 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4760540 The complaint Mrs T says Vanquis Bank Limited irresponsibly lent to her. What happened Mrs T applied for a credit card from Vanquis in August 2023. Her application was accepted and Vanquis gave her a £1,200 credit limit. Mrs T says Vanquis did not complete sufficient checks. It... (3 pages)View decision -
Decision Reference DRN-4653894
24 Apr 2024 Watford Insurance Company Europe Limited UpheldInsuranceDRN-4653894 The complaint Mr O complains that Watford Insurance Company Europe Limited discriminated against him when it cancelled his motor insurance policy. Where I refer to Watford, this includes the actions of its agents and claims handlers for which it takes responsibility. What happe... (3 pages)View decision -
Decision Reference DRN-4760825
24 Apr 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4760825 The complaint Mr D has a self-invested personal pension (SIPP) with Options UK Personal Pensions LLP (‘Options’, formerly Carey Pensions UK LLP). Mr D transferred his existing personal pension to the SIPP to invest in a property-based investment scheme in Cape Verde and a corpo... (25 pages)View decision -
Decision Reference DRN-4760817
24 Apr 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4760817 The complaint Mr A complains that Monzo Bank Ltd (‘Monzo’) hasn’t refunded him the money he lost in a scam. What happened I’m not going to cover all the points raised in detail. The view of 30 November 2023 covered the details of Mr A’s testimony. But briefly Mr A says he was c... (6 pages)View decision -
Decision Reference DRN-4757520
24 Apr 2024 Barclays Bank UK PLC UpheldBanking and PaymentsThe complaint Mr L complains that Barclays Bank UK Plc unreasonably blocked and then closed his accounts with them. He says he’s missed out on payments he was expecting to be credited. What happened The facts of this complaint are largely not in dispute, so I will cover them off only brief... (4 pages)View decision -
Decision Reference DRN-4689577
24 Apr 2024 Amtrust Europe Limited UpheldInsuranceDRN-4689577 The complaint Mr Y’s complaint is about a claim he made on his Amtrust Europe Limited legal expenses insurance policy. Mr Y feels that Amtrust treated him unfairly. In this decision all references to Amtrust include their claims handlers. What happened Mr Y purchased a property... (4 pages)View decision -
Decision Reference DRN-4760278
24 Apr 2024 U K Insurance Limited UpheldInsuranceDRN-4760278 The complaint Mr and Mrs H complain that U K Insurance Limited (“UKI”) rejected a claim for legal expenses cover to pursue personal injury claims. What happened Mr and Mrs H went on holiday with their children. During the holiday they all became ill and were diagnosed as having... (4 pages)View decision -
Decision Reference DRN-4691935
24 Apr 2024 Great Lakes Insurance SE UpheldInsuranceDRN-4691935 The complaint Mr H is unhappy that Great Lakes Insurance SE declined a claim made on his travel insurance policy (‘the policy’). All reference to Great Lakes includes its representatives. What happened Whilst abroad in 2022, Mr H was admitted to hospital and diagnosed initially... (4 pages)View decision -
Decision Reference DRN-4755377
24 Apr 2024 Barclays Bank UK PLC UpheldMortgagesDRN-4755377 The complaint Mr K and Mrs S complain that Barclays Bank UK PLC wrongly recorded adverse information on their credit files about payments to their buy-to-let mortgage. As a result, they say they lost out on a fixed interest rate deal they had applied for with another lender on ... (5 pages)View decision
