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 125399 results
-
Decision Reference DRN-4735512
11 Apr 2024 Accredited Insurance (Europe) Ltd UpheldInsuranceDRN-4735512 The complaint Miss F complains that Accredited Insurance (Europe) Ltd declined a claim she made on her home insurance policy for damage to her engagement ring. What happened The circumstances of this complaint aren’t in dispute, so I’ll summarise the main points: Miss F got in... (3 pages)View decision -
Decision Reference DRN-4736434
11 Apr 2024 Westerby Trustee Services Limited UpheldPensions and AnnuitiesDRN-4736434 The complaint Mr S complains that Westerby Trustee Services Limited (“Westerby”) should have done more due diligence before accepting the investments he made in his Self-Invested Personal Pension (“SIPP”). What happened Westerby has a professional representative. For simplicity... (34 pages)View decision -
Decision Reference DRN-4721155
11 Apr 2024 Barclays Bank UK PLC UpheldConsumer CreditDRN-4721155 The complaint Mrs L complains that Barclays Bank UK PLC lent irresponsibly when it approved her loan application. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: In December 2020 Mrs L successfully appli... (4 pages)View decision -
Decision Reference DRN-4708497
11 Apr 2024 Madison CF UK Limited UpheldBanking and PaymentsDRN-4708497 The complaint Mr J complains that Madison CF UK Limited (trading as 118 118 Money) was irresponsible to lend to him and provided poor customer service. What happened Mr J was approved for a credit card with 118 118 Money in May 2021. This was followed by a credit limit increase... (3 pages)View decision -
Decision Reference DRN-4568559
11 Apr 2024 FB Wealth Management Ltd UpheldPensions and AnnuitiesDRN-4568559 The complaint Mr W complains about the outcome of the review carried out by FB Wealth Management Ltd trading as Forrester Boyd Wealth Management (“Forrester Boyd WM”) in connection with the FCA’s consumer redress scheme for the British Steel Pension Scheme (“BSPS”) – to make my... (8 pages)View decision -
Decision Reference DRN-4709504
11 Apr 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4709504 The complaint Ms T complains that Santander UK Plc did not refund a series of payments she lost to a scam. What happened Ms T saw an advert online about cryptocurrency and the returns that can be made on investments related to them. She searched online and found a company I’ll ... (6 pages)View decision -
Decision Reference DRN-4734790
11 Apr 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4734790 The complaint Mr H complains Options UK Personal Pensions LLP (‘Options’ - formerly Carey Pensions UK LLP) failed to undertake due diligence on his application for a Self-Invested Personal Pension (‘SIPP’) and subsequent investment in an overseas property-based investment schem... (28 pages)View decision -
Decision Reference DRN-4675032
11 Apr 2024 Gain Credit LLC UpheldConsumer CreditDRN-4675032 The complaint Mr O complains that Gain Credit trading as Drafty approved two lines of credit for him without carrying out satisfactory affordability checks. Mr O adds that the increase in the second facility’s credit limit was ‘reckless lending’. Mr O has an additional concern ... (4 pages)View decision -
Decision Reference DRN-4634909
11 Apr 2024 Nationwide Building Society UpheldBanking and PaymentsDRN-4634909 The complaint Mr L complains that Nationwide Building Society unfairly refused to pay him a switch incentive. What happened In 2023 Mr L switched his current account to a Nationwide account held jointly with his wife. Nationwide paid £200 to Mr L’s wife but would not pay the sa... (3 pages)View decision -
Decision Reference DRN-4734720
11 Apr 2024 Secure Trust Bank Plc UpheldConsumer CreditDRN-4734720 The complaint Mr U has complained about the quality of a car he acquired under a hire purchase agreement with Secure Trust Bank PLC trading as V12 Vehicle Finance (“V12”). What happened To summarise, Mr U acquired a used car and warranty under a hire purchase agreement with V12... (5 pages)View decision
