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 130193 results
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Decision Reference DRN-4972872
20 Sep 2024 Trading 212 UK Limited UpheldInvestmentsDRN-4972872 The complaint Mr T complains that Trading 212 UK Limited (T212) withheld profits from trades he placed in a particular Exchange Traded Fund (ETF). He said these were legitimate profits and it was unfair for it to have withheld them. What happened Mr T opened his account with... (13 pages)View decision -
Decision Reference DRN-4844536
20 Sep 2024 Aviva Life & Pensions UK Limited UpheldInvestmentsDRN-4844536 The complaint Mr J has complained about the way Aviva Life & Pensions UK Limited (Aviva) handled his request to surrender the investment bond he held through them. What happened Aviva say they wrote to Mr J in May 2022, to let him know that the investment manager for som... (2 pages)View decision -
Decision Reference DRN-4950604
20 Sep 2024 Alwyn Insurance Company Limited UpheldInsuranceDRN-4950604 The complaint Mr C’s complaint arises from a claim made under his home emergency insurance policy with Alwyn Insurance Company Limited. What happened Mr C took out this policy in early 2023 to cover a property he lets out. In late December 2023, Mr C contacted Alwyn to make ... (4 pages)View decision -
Decision Reference DRN-5033949
20 Sep 2024 U K Insurance Limited UpheldInsuranceDRN-5033949 The complaint Mr C complains about U K Insurance Limited (“UKI”) handling of his motor insurance policy. All references to UKI also include its appointed agents. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. In... (3 pages)View decision -
Decision Reference DRN-5006009
20 Sep 2024 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5006009 The complaint Mr P complains about information given to him by Bank of Scotland plc trading as Halifax (Halifax) when he opened an account with them. As a consequence, Mr P missed out on credit interest. What happened In November 2022, as an existing customer, Mr P visited a... (3 pages)View decision -
Decision Reference DRN-4875740
20 Sep 2024 QIC Europe Ltd UpheldInsuranceDRN-4875740 The complaint Miss P has complained about how QIC Europe Ltd (QIC) dealt with a claim under a home insurance policy. What happened Miss P contacted QIC in December 2022 to make a claim under her home insurance policy. She later complained because of delays to the claim caus... (2 pages)View decision -
Decision Reference DRN-5031494
20 Sep 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-5031494 The complaint Mr B has complained about Creation Consumer Finance Ltd’s (‘Creation’) response to a claim he made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’). What happened In December 2012, Mr B bought a solar panel system (‘the system’) from a com... (7 pages)View decision -
Decision Reference DRN-5000045
20 Sep 2024 Evergreen Finance London Limited UpheldConsumer CreditDRN-5000045 The complaint Mr F complains through a representative that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided him with loans without carrying out sufficient affordability checks. What happened A summary of Mr F’s borrowing can be found below.... (5 pages)View decision -
Decision Reference DRN-4985493
20 Sep 2024 Fortegra Europe Insurance Company Ltd UpheldInsuranceDRN-4985493 The complaint Miss R complains Fortegra Europe Insurance (“Fortegra”) has unfairly declined her motor warranty claim. All references to Fortegra also include its appointed agents. What happened The details of the complaint are well known to both parties, so I won’t repeat th... (3 pages)View decision -
Decision Reference DRN-5006156
20 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5006156 The complaint Mr R, through a representative, says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr R took out a credit card from NewDay in November 2017. He was given a £900 credit limit. This was increased seven times and by July 2021 it was £7,850.... (3 pages)View decision