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-3767545
26 Mar 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3767545 The complaint Mr B has a self-invested personal pension (SIPP) with Options UK Personal Pensions LLP (formerly) Carey Pensions UK LLP (“Options”). Mr B’s complaint is that Options accepted his application to open a SIPP and invest in an overseas property-based investment arrang... (23 pages)View decision -
Decision Reference DRN-4637112
26 Mar 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4637112 The complaint Mr M complains Creation Consumer Finance Ltd trading as Creation provided him with an unaffordable credit facility to purchase goods at a retailer. What happened Creation provided Mr M with a credit facility enabling him to make purchases at a retailer, ‘store A’.... (4 pages)View decision -
Decision Reference DRN-4666249
26 Mar 2024 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4666249 The complaint Mr C complains that Specialist Motor Finance Limited (SMF) failed to complete adequate checks prior to approving a Hire Purchase agreement for him. He says had they done, the finance would not have been agreed. What happened In August 2018, Mr C acquired a used ca... (4 pages)View decision -
Decision Reference DRN-4702953
26 Mar 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4702953 The complaint Mr H complains about the way that Lloyds Bank PLC handled his payment disputes. What happened Mr H says he contacted Lloyds in October 2023 to raise a payment dispute against two businesses for failing to deliver items. Mr H contacted Lloyds using a public payphon... (2 pages)View decision -
Decision Reference DRN-4708044
26 Mar 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4708044 The complaint Mr D is unhappy that Monzo Bank Ltd, trading as Monzo, didn’t call him before taking money out of his account as per his communication requirements. What happened Mr D holds an account with Monzo and has made Monzo aware that he has learning difficulties which mak... (3 pages)View decision -
Decision Reference DRN-4698458
26 Mar 2024 Clements Europe Limited UpheldInsuranceDRN-4698458 The complaint Mr P complains about how Clements Europe Limited (“Clements”) offered renewal of his motor insurance policy but then withdrew it when he tried to accept the offer. He says this has cost him significant extra premiums. What happened Mr P had a motor insurance polic... (3 pages)View decision -
Decision Reference DRN-4601185
26 Mar 2024 AXA Insurance UK Plc UpheldInsuranceDRN-4601185 The complaint Mr L complains AXA Insurance UK Plc unfairly declined a claim he made on his home insurance policy for damage caused by subsidence. What happened In the summer of 2022, Mr L noticed cracks in his property. He made a claim on his home insurance policy for damage ca... (3 pages)View decision -
Decision Reference DRN-4692267
26 Mar 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4692267 The complaint Mr K complains Santander UK Plc treated him unfairly in relation to a payment he needed to make. Whilst Mr K has brought this complaint with the help of a representative, I will refer to Mr K throughout. What happened I issued my provisional decision on this case,... (3 pages)View decision -
Decision Reference DRN-4708199
26 Mar 2024 Tesco Underwriting Limited UpheldInsuranceDRN-4708199 The complaint Mr M complains that Tesco Underwriting Limited (“Tesco”) mishandled his claim on his motor insurance policy. What happened The subject matter of the claim and the complaint is a sporty hatchback car, made by a large car-maker and first registered in May 2017. Mr M... (4 pages)View decision -
Decision Reference DRN-4702199
26 Mar 2024 Elliot Fletcher Limited UpheldPensions and AnnuitiesDRN-4702199 The complaint Mr B complained that he was given unsuitable advice to transfer his defined benefit (DB) occupational pension scheme, to a type of self invested personal pension (SIPP) plan. Elliot Fletcher Limited is responsible for answering this complaint and so to keep things... (10 pages)View decision
