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 121262 results
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Decision Reference DRN-3906661
16 Nov 2023 Mather & Murray Financial Ltd UpheldPensions and AnnuitiesDRN-3906661 The complaint Mr W complains about the advice given by Mather & Murray Financial Ltd (‘Mather & Murray’) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme, the British Steel Pension Scheme (‘BSPS’) to a personal pension. He says the ad... (9 pages)View decision -
Decision Reference DRN-4010186
16 Nov 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4010186 The complaint Mr L complains that Options UK Personal Pensions LLP (‘Options’) shouldn’t have accepted his application to transfer his defined benefit pension into a self-invested personal pension (‘SIPP’) and invest his funds in an investment portfolio. He wants Options to put... (41 pages)View decision -
Decision Reference DRN-4460979
16 Nov 2023 Bank of Scotland Plc UpheldMortgagesDRN-4460979 The complaint Miss G’s complaint is about a mortgage she has with Bank of Scotland Plc trading as Halifax (BoS). She is unhappy that when she made enquiries in 2022 about changing her interest rate product early, requiring an early repayment charge (ERC) to be paid, she wasn’t ... (4 pages)View decision -
Decision Reference DRN-4446289
16 Nov 2023 The Prudential Assurance Company Limited UpheldInvestmentsDRN-4446289 The complaint Mrs H’s complaint is about a mortgage endowment policy she held with The Prudential Assurance Company Limited. She is unhappy that the policy maturity value was paid to her mortgage lender. In addition, she’s dissatisfied with the general level of service she has ... (4 pages)View decision -
Decision Reference DRN-4460885
16 Nov 2023 Barclays Bank UK PLC UpheldMortgagesDRN-4460885 The complaint Miss E and Mr F’s complaint is about a mortgage they have with Barclays Bank UK PLC. They are unhappy that Barclays reneged on attaching a fixed interest rate product to their mortgage when they were struggling to manage their payments. What happened Miss E and Mr... (4 pages)View decision -
Decision Reference DRN-4460335
16 Nov 2023 AXA Insurance UK Plc UpheldInsuranceDRN-4460335 The complaint Mr M and Mrs E complain that AXA Insurance UK Plc (“AXA”) have unfairly declined a claim made under their commercial property insurance policy. What happened Mr M and Mrs E own a house which they rent out to a tenant. The rental property is insured with AXA. In Au... (3 pages)View decision -
Decision Reference DRN-4286219
16 Nov 2023 National Westminster Bank Plc UpheldMortgagesDRN-4286219 The complaint Mr and Mrs M’s complaint relates to an application for additional borrowing on a mortgage they hold with National Westminster Bank Plc (NatWest). They are unhappy with the amount of time it took for the application to be declined, which meant that interest rates i... (3 pages)View decision -
Decision Reference DRN-4460551
16 Nov 2023 ClearBank Limited UpheldBanking and PaymentsDRN-4460551 The complaint Mr I trading as ‘M’ (a sole trader) complains that ClearBank Limited didn’t do enough to protect him against losing money to a scam. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of so... (4 pages)View decision -
Decision Reference DRN-4460810
16 Nov 2023 more 2 life Ltd UpheldMortgagesDRN-4460810 The complaint Mr and Mrs S’ complaint is about delays that occurred during the process of applying for a lifetime mortgage with more 2 life Ltd. They said the delays meant that the mortgage interest rate they would have eventually been able to complete with was considerably hig... (6 pages)View decision -
Decision Reference DRN-4401567
16 Nov 2023 Aviva Life & Pensions UK Limited UpheldPensions and AnnuitiesDRN-4401567 The complaint Mr S has complained about the length of time it took Aviva Life & Pensions UK Limited (Aviva) to process his retirement claim. What happened Mr S had a pension policy with Aviva. It had originally been with Friends Life but was taken over by Aviva. Mr S’s sele... (5 pages)View decision
