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 128312 results
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Decision Reference DRN-4716190
27 Jun 2024 U K Insurance Limited UpheldInsuranceDRN-4716190 The complaint Mr C complains in his capacity as director of a limited company, which I’ll refer to as “P” about the way U K Insurance Limited (trading as NIG) (“UKI”) has handled a claim made under P’s property owner’s insurance policy. What happened In 2021 Mr C made a claim f... (3 pages)View decision -
Decision Reference DRN-4877332
27 Jun 2024 Reassured Ltd UpheldInsuranceDRN-4877332 The complaint Mrs B complains about the sale of her life and critical illness insurance policy by Reassured Ltd. What happened In 2019, Mrs B applied for a life and critical illness policy through Reassured. The insurer accepted Mrs B’s application. However, it excluded breast ... (3 pages)View decision -
Decision Reference DRN-4806317
27 Jun 2024 Society of Lloyd's UpheldInsuranceDRN-4806317 The complaint Mr M complains that Society of Lloyd's (Lloyd’s) avoided his motor insurance policy and didn’t deal with his claim. Reference to Lloyd’s includes its agents. What happened Mr M held a motor insurance policy with Lloyd’s. When his vehicle was damaged by a floo... (2 pages)View decision -
Decision Reference DRN-4695866
27 Jun 2024 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4695866 The complaint Mrs L complains Specialist Motor Finance Limited (SMFL) irresponsibly entered into a hire purchase agreement because it didn’t complete reasonable and proportionate checks to ensure the agreement was affordable for her. What happened Mrs L entered into the hire pu... (4 pages)View decision -
Decision Reference DRN-4877516
27 Jun 2024 Inter Partner Assistance SA UpheldInsuranceDRN-4877516 The complaint Mr M is unhappy about the resolution of his claim with Inter Partner Assistance SA (“IPA”) under his home emergency policy. What happened Mr M made a claim for an engineer to attend his property when his boiler had broken down. His family was without heating and h... (3 pages)View decision -
Decision Reference DRN-4806333
27 Jun 2024 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4806333 The complaint Ms R complains about interest applied to her credit card by Creation Financial Services Limited trading as Creation. What happened Ms R has a Creation credit card. On 17 August 2023 Creation sent Ms R a credit card statement that said she needed to make a minimum ... (2 pages)View decision -
Decision Reference DRN-4532328
27 Jun 2024 Barclays Bank UK PLC UpheldMortgagesDRN-4532328 The complaint Miss K complains that Barclays Bank UK PLC wrongly treated her mortgage as being in arrears. What happened Miss K has a residential mortgage with Barclays, jointly held with a third party who hasn’t joined this complaint. In October 2023 Barclays contacted her to ... (4 pages)View decision -
Decision Reference DRN-4876484
27 Jun 2024 Tandem Home Loans Ltd UpheldMortgagesDRN-4876484 The complaint Mrs S and Mr S say that a secured (second charge) loan they took out in February 2022 with Tandem Home Loans Ltd trading as Oplo was unaffordable and irresponsibly lent. Whilst Mrs S held another two loans with Tandem they were lent by its unsecured lending arm an... (7 pages)View decision -
Decision Reference DRN-4855109
27 Jun 2024 J.P. Morgan Europe Limited UpheldBanking and PaymentsDRN-4855109 The complaint Mr C is unhappy J.P. Morgan Europe Limited (trading as Chase) won’t refund the money he lost to a scam. What happened In August 2023 Mr C fell victim to a cryptocurrency scam. He’d seen an advert for the investment online – and it appeared to be endorsed by two we... (4 pages)View decision -
Decision Reference DRN-4770279
27 Jun 2024 Tradex Insurance Company Limited UpheldInsuranceDRN-4770279 The complaint Mr K has complained about the valuation Tradex Insurance Company Limited paid for his stolen car when he made a claim under his motor trade insurance policy. He complained that Tradex didn’t reimburse him for repair costs he paid for just before his car was stolen... (3 pages)View decision