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-4689687
22 Mar 2024 Alltrust Services Limited UpheldPensions and AnnuitiesDRN-4689687 The complaint Mr S complains that Alltrust Services Limited is charging fees for illiquid investments held within his SIPP (Self-Invested Personal Pension). What happened Mr S’ complaint was considered by one of our investigators. He sent his assessment of it to both parties on... (5 pages)View decision -
Decision Reference DRN-4694384
22 Mar 2024 Alltrust Services Limited UpheldPensions and AnnuitiesDRN-4694384 The complaint Mrs S complains that Alltrust Services Limited is charging fees for illiquid investments held within her SIPP (Self-Invested Personal Pension). What happened Mrs S’ complaint was considered by one of our investigators. He sent his assessment of it to both parties ... (5 pages)View decision -
Decision Reference DRN-4699699
22 Mar 2024 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4699699 The complaint Mr S complains that Creation Financial Services Limited closed his account without notice and didn’t credit him benefits he’d earnt. He’s also unhappy with an overlimit charge they applied. What happened Mr S had a premium club credit card account with Creation. T... (4 pages)View decision -
Decision Reference DRN-4693117
22 Mar 2024 Liberty Mutual Insurance Europe SE UpheldInsuranceDRN-4693117 The complaint W, a limited company in liquidation, complains that Liberty Mutual Insurance Europe SE (“Liberty Mutual”) would not agree to deal with claims on its professional indemnity policy. The complaint was brought to us on behalf of W by the liquidator, which I’ll refer t... (6 pages)View decision -
Decision Reference DRN-4657241
22 Mar 2024 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4657241 The complaint Miss T complains that Clydesdale Bank Plc trading as Virgin Money lent irresponsibly when it approved her credit card application. What happened In March 2021 Miss T applied for a credit card with Virgin Money. In the application, Miss T said she was employed with... (3 pages)View decision -
Decision Reference DRN-4454435
22 Mar 2024 State Bank Of India (UK) Limited UpheldBanking and PaymentsDRN-4454435 The complaint P complains that State Bank Of India (UK) Limited (SBI) is refusing to refund the amount it lost as the result of a scam. P is being represented by a third party. To keep things simple, I will refer to P throughout my decision. What happened P was established as a... (3 pages)View decision -
Decision Reference DRN-4621503
22 Mar 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4621503 The complaint Mr R complains that Options UK Personal Pensions LLP (formerly Carey Pensions) (‘Options’) shouldn’t have accepted a transfer of his occupational pension scheme into a self-invested personal pension (‘SIPP’). What happened Around mid to late 2012, Mr R says he was... (44 pages)View decision -
Decision Reference DRN-4666080
22 Mar 2024 U K Insurance Limited UpheldInsuranceDRN-4666080 The complaint X complains about U K Insurance Limited trading as Churchill Home Insurance (“Churchill”) for the way it has approached his claim following a leak at his home. He wants Churchill to reimburse the costs he has paid for repairs at the rates he incurred. What happene... (3 pages)View decision -
Decision Reference DRN-4701051
22 Mar 2024 Shawbrook Bank Limited UpheldConsumer CreditDRN-4701051 The complaint Mr M has complained about the way Shawbrook Bank Limited dealt with claims he’d raised in relation to goods and services financed by a fixed sum loan agreement. What happened The circumstances of the complaint are well known, so I’m not going to go over everything... (4 pages)View decision -
Decision Reference DRN-4356383
22 Mar 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4356383 Complaint Mr G is unhappy that HSBC UK Bank Plc didn’t reimburse him after he told it he’d fallen victim to a scam. Background The background to this case is well known to the parties and was set out in significant detail in the Investigator’s view of the complaint. I don’t int... (4 pages)View decision
