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-4866219
21 Jun 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4866219 The complaint Mrs K had a self-invested personal pension (SIPP) with Carey Pensions UK LLP now Options UK Personal Pensions LLP (“Options”). Mrs K transferred her existing personal pensions to the SIPP to invest in a corporate bond. Mrs K’s complaint is that Options should not ... (25 pages)View decision -
Decision Reference DRN-4805010
21 Jun 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4805010 The complaint Mr C complains that Santander UK Plc did not refund all the money he lost to a scam. What happened Mr C was added to a messaging group about investments, led by an individual who appeared to be a knowledgeable broker. After some time, Mr C decided to invest and do... (4 pages)View decision -
Decision Reference DRN-4866362
21 Jun 2024 AXA Insurance UK Plc UpheldInsuranceDRN-4866362 The complaint Mr T complains about AXA Insurance UK Plc’s handling of claims he made under his motor insurance policy. He is unhappy with the quality of repairs carried out by AXA’s approved repairers. AXA is the underwriter of this policy i.e. the insurer. Part of this complai... (11 pages)View decision -
Decision Reference DRN-4865293
21 Jun 2024 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-4865293 The complaint Mr F and Ms H complain about the amount Royal & Sun Alliance Insurance Limited (“RSA”) has offered to settle a claim they made on their home insurance policy. Reference to Mr F includes Ms H and their representative. And reference to RSA includes its agents. F... (7 pages)View decision -
Decision Reference DRN-4865359
21 Jun 2024 KLO Financial Services Ltd UpheldPensions and AnnuitiesDRN-4865359 The complaint Mrs H has complained that the advice given to her by KLO Financial Services Ltd (‘KLO’) to transfer her occupational defined benefit (‘DB’) scheme and her existing defined contribution (‘DC’) schemes into a new self-invested personal pension (‘SIPP’) held with Xaf... (11 pages)View decision -
Decision Reference DRN-4856191
21 Jun 2024 Investec Wealth & Investment Limited UpheldInvestmentsDRN-4856191 The complaint Mrs W complains about the redress offered by Investec Wealth & Investment Limited, referred to as “Investec”. In summary, she says that compensation – in the form of discretionary management charges and losses in terms of growth that should’ve been made had th... (7 pages)View decision -
Decision Reference DRN-4747949
21 Jun 2024 Vitality Corporate Services Limited UpheldInsuranceDRN-4747949 The complaint Mr C has complained that Vitality Corporate Services Limited trading as VitalityLife (‘Vitality’) refused to extend his cover after initially agreeing to do so. What happened Mr C had a life insurance policy which was due to expire in January 2023. Vitality wrote ... (2 pages)View decision -
Decision Reference DRN-4864685
21 Jun 2024 TSB Bank plc UpheldMortgagesDRN-4864685 The complaint Ms T complains that TSB Bank plc (TSB) has paid £9,312.02 to her freeholder in respect of outstanding service charges and applied this to her mortgage, despite her informing TSB that she was in an ongoing dispute about these charges. What happened Ms T says that t... (5 pages)View decision -
Decision Reference DRN-4574711
21 Jun 2024 Compare Your Car Lease Ltd UpheldConsumer CreditDRN-4574711 The complaint Mr M is unhappy that Compare Your Car Lease Ltd (CYCL) has retained a £600 cancellation fee which he didn’t agree to. What happened Mr M was looking to take out a car on finance. He paid £1,200 to CYCL but decided not to go ahead with the finance or car purchase. ... (3 pages)View decision -
Decision Reference DRN-4840010
21 Jun 2024 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4840010 The complaint Mr A complains that Bank of Scotland plc trading as Halifax lent irresponsibly when it approved his overdraft application. What happened Mr A had an existing bank account with Halifax and between February 2018 and early June 2018 made various applications for an o... (4 pages)View decision