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 120163 results
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Decision Reference DRN-4383418
6 Oct 2023 HSBC UK Bank Plc UpheldConsumer CreditDRN-4383418 The complaint Mr M complains that HSBC UK Bank Plc defaulted his personal loan account. What happened Mr M took out a personal loan with HSBC UK Bank Plc (“HSBC”) in 2017. In 2020, Mr M agreed a payment break with HSBC as he had fallen into financial difficulties. He then enter... (4 pages)View decision -
Decision Reference DRN-4373807
6 Oct 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4373807 The complaint Miss H complains that Tesco Personal Finance PLC lent to her irresponsibly. What happened Miss H successfully applied for a credit card with Tesco Personal Finance PLC (“Tesco”) in 2016. The credit limit was £1,100. In 2022, Miss H complained to Tesco about their ... (3 pages)View decision -
Decision Reference DRN-4177957
6 Oct 2023 London Community Credit Union Limited UpheldConsumer CreditDRN-4177957 The complaint Mr M complains that London Community Credit Union Limited didn’t send loan proceeds to his account. Mr M also says he is being chased for payments and has been threatened with court action. What happened Mr M says he went to a branch of London Community Credit Uni... (2 pages)View decision -
Decision Reference DRN-4285540
6 Oct 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4285540 The complaint Mr S 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 Mr S says he was initially approached by ... (41 pages)View decision -
Decision Reference DRN-4386665
6 Oct 2023 Lloyds Bank General Insurance Limited UpheldInsuranceDRN-4386665 The complaint Mr and Mrs M complain that Lloyds Bank General Insurance Limited (LBG) declined their claim for the cost of repairing damage caused by trace and access. Mr and Mrs M had buildings and contents insurance underwritten by LBG. The policy was in joint names but, for e... (5 pages)View decision -
Decision Reference DRN-3499982
6 Oct 2023 Chequers Wealth Management Limited UpheldPensions and AnnuitiesDRN-3499982 The complaint Mr M complains about the advice given by Chequers Wealth Management Limited (‘CWML’) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme, the British Steel Pension Scheme (‘BSPS’) to a self-invested personal pension (‘SIPP’). He sa... (6 pages)View decision -
Decision Reference DRN-4308785
6 Oct 2023 Clifton Asset Management Plc UpheldPensions and AnnuitiesDRN-4308785 The complaint Mr M complains about the advice given by Clifton Asset Management Plc to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a self-invested personal pension (‘SIPP’). He says the advice was unsuitable for him and believes this has... (11 pages)View decision -
Decision Reference DRN-4385207
6 Oct 2023 Fairmead Insurance Limited UpheldInsuranceDRN-4385207 The complaint Mr W is unhappy that Fairmead Insurance Limited declined his claim for damage caused by an escape of water. What happened In summary, Mr W had holiday home buildings and contents insurance underwritten by Fairmead. In December, a pipe burst and caused significant ... (4 pages)View decision -
Decision Reference DRN-4279511
6 Oct 2023 Zopa Bank Limited UpheldConsumer CreditDRN-4279511 The complaint Mr A complains that the loan he had from Zopa Bank Limited was unaffordable to him. What happened Mr A was approved for one loan with Zopa in May 2021 as follows: Loan Date Amount Term Repayment Due 1 27 May 2021 £11,000 48m £321.41 27 May 2025 Mr A says that, as ... (3 pages)View decision -
Decision Reference DRN-4322012
6 Oct 2023 AWP P&C SA UpheldInsuranceDRN-4322012 The complaint Mr L complains about AWP P&C SA’s (“AWP”) decision to decline his claim under his travel insurance policy. What happened Mr L made a claim for two phones which were damaged during a trip. Mr L says, first AWP said there was a limit to the amount he could claim... (3 pages)View decision
