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
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Decision Reference DRN-4506916
28 Mar 2024 The Co-operative Bank Plc UpheldBanking and PaymentsDRN-4506916 The complaint Mr and Mrs B complain that The Co-operative Bank Plc (‘the Co-op’) has not provided them with information requested in relation to a packaged bank account benefit. For ease, I’ll refer to all actions and comments as those of Mr B. What happened Mr B had a package... (3 pages)View decision -
Decision Reference DRN-4714349
28 Mar 2024 Ageas Insurance Limited UpheldInsuranceDRN-4714349 The complaint Mr J has complained about his motor insurer Ageas Insurance Limited regarding it avoiding his policy (treating it as though it had never existed) and, by association, declining his claim. He’s also unhappy that it kept his car and cancelled another policy for a di... (6 pages)View decision -
Decision Reference DRN-4582927
28 Mar 2024 J.P. Morgan Europe Limited UpheldBanking and PaymentsDRN-4582927 Complaint Mr N is unhappy that J.P. Morgan Europe Limited trading as Chase (“Chase”) didn’t reimburse him after he fell victim to an investment scam. Background In November 2022, Mr N fell victim to an investment scam. He’d noticed a post on a social media website that advertis... (3 pages)View decision -
Decision Reference DRN-4596758
28 Mar 2024 J.P. Morgan Europe Limited UpheldBanking and PaymentsDRN-4596758 Complaint Mr J is unhappy that J.P. Morgan Europe Limited trading as Chase (“Chase”) didn’t reimburse him after he fell victim to an investment scam. Background The facts of this case are well known to the parties so I don’t intend to set them out in full here. In summary, Mr J... (3 pages)View decision -
Decision Reference DRN-4714182
28 Mar 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4714182 The complaint Mrs F has a self-invested personal pension (SIPP) with Options UK Personal Pensions LLP (formerly Carey Pensions UK LLP) (‘Options’). Mrs F transferred her existing personal and workplace pensions to the SIPP to invest in a property-based investment scheme in Cap... (25 pages)View decision -
Decision Reference DRN-4430208
28 Mar 2024 JM Independent Financial Advisers Ltd UpheldPensions and AnnuitiesDRN-4430208 The complaint Miss J has complained about advice she received from JM Independent Financial Advisers Ltd to partially transfer her personal pension to another pension provider. She says the funds recommended in the new pension weren’t in line with her attitude towards risk. She... (9 pages)View decision -
Decision Reference DRN-4711944
28 Mar 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4711944 Complaint Mr C is unhappy that HSBC UK Bank Plc hasn’t reimbursed him after he fell victim to a scam. He has brought this complaint with the assistance of a professional representative, but for simplicity’s sake, I’ve generally referred to Mr C only throughout. Background In Ja... (4 pages)View decision -
Decision Reference DRN-4679900
28 Mar 2024 AWP P&C S.A. UpheldInsuranceDRN-4679900 The complaint Ms A has complained that AWP P&C SA (‘AWP’) unfairly declined her claim after it provided her with incorrect advice and guidance during a phone call. All reference to AWP includes any agents acting on its behalf. What happened Ms A had a travel insurance polic... (2 pages)View decision -
Decision Reference DRN-4430220
28 Mar 2024 JM Independent Financial Advisers Ltd UpheldPensions and AnnuitiesDRN-4430220 The complaint Mr K has complained about the advice he was given by JM Independent Financial Advisers Ltd to transfer his personal pension to another pension provider. He says the funds recommended in the new pension weren’t in line with his attitude towards risk. He also says t... (7 pages)View decision -
Decision Reference DRN-4699059
28 Mar 2024 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-4699059 The complaint Mr M has complained that Admiral Insurance (Gibraltar) Limited (‘Admiral’) failed to provide him with proper assistance when he suffered an injury abroad. All reference to Admiral includes any agents acting on its behalf. What happened Mr M had a travel insurance ... (3 pages)View decision
