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 128312 results
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Decision Reference DRN-4924687
23 Jul 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4924687 The complaint Mr D has complained that Lloyds Bank PLC won’t refund the money he lost after falling victim to a scam. What happened Mr D fell victim to a romance scam. He met someone online who turned the relationship romantic, and they spoke every day. They persuaded Mr D t... (3 pages)View decision -
Decision Reference DRN-4692171
23 Jul 2024 Secure Trust Bank Plc UpheldConsumer CreditDRN-4692171 The complaint Mr R complains about the quality of a car he has been financing through an agreement with Secure Trust Bank Plc, trading as V12 Vehicle Finance (“V12”). What happened Mr R took receipt of a used car on 3 December 2022. He financed the deal through a hire purcha... (4 pages)View decision -
Decision Reference DRN-4887766
23 Jul 2024 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-4887766 The complaint Mr P complains about how Royal & Sun Alliance Insurance Limited (RSA) dealt with claims under his home emergency policy, one for a drainage/plumbing issue and one for electrical supply issues. References to RSA in this decision include their agents providi... (4 pages)View decision -
Decision Reference DRN-4923994
23 Jul 2024 Wise Payments Limited UpheldBanking and PaymentsDRN-4923994 The complaint Mr F complains that Wise Payments Limited (‘Wise’) won’t refund the money he lost after falling victim to a scam. What happened Mr F’s complaint has been brought by a professional representative. However, as the account is in Mr F’s name, I’ll refer to him thr... (6 pages)View decision -
Decision Reference DRN-4920434
23 Jul 2024 WPS ADVISORY Ltd UpheldPensions and AnnuitiesDRN-4920434 The complaint Mr R complains that WPS Advisory Ltd (“WPS”) was responsible for delays which led to him missing the acceptance deadline of 23 March 2022 to transfer the value of his defined benefits (“DB”) pension to a private pension arrangement. He says that this led to him... (4 pages)View decision -
Decision Reference DRN-4775670
23 Jul 2024 Applewood Independent Limited UpheldPensions and AnnuitiesDRN-4775670 The complaint Ms L says the advice given by Applewood Independent Limited (AIL), to switch her three personal pensions into a Self-invested Personal Pension (SIPP) and higher risk investments was unsuitable. What happened Ms L contacted AIL to review her financial circumsta... (8 pages)View decision -
Decision Reference DRN-4856800
23 Jul 2024 Advantage Insurance Company Limited UpheldInsuranceDRN-4856800 The complaint Miss H complains that Advantage Insurance Company Limited (Advantage) cancelled her policy unfairly, and it paid a claim for an accident when no damage occurred, under her motor insurance policy. What happened In October 2022 Miss H was involved in an accident... (6 pages)View decision -
Decision Reference DRN-4790508
23 Jul 2024 Advantage Insurance Company Limited UpheldInsuranceDRN-4790508 The complaint Mr A complains Advantage Insurance Company Limited (Advantage) caused delays after he made a claim on his motor insurance policy. Advantage are the underwriters of this policy i.e. the insurer. Part of this complaint concerns the actions of the intermediary. A... (3 pages)View decision -
Decision Reference DRN-4923833
23 Jul 2024 Advantage Insurance Company Limited UpheldInsuranceDRN-4923833 The complaint Mr T is unhappy about the way Advantage Insurance Company Limited has handled a claim made on his motor insurance policy by a third party. Mr T has been represented by Mr A in the complaint process. For ease of reference, I will refer in my decision to any com... (3 pages)View decision -
Decision Reference DRN-4895141
23 Jul 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4895141 The complaint Mr H complains that Santander UK plc (Santander) unfairly reported a late payment marker on his credit file. He would like this removed and some nominal compensation for the distress and inconvenience What happened Mr H says when he made late payments in 2022 ... (3 pages)View decision