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 120469 results
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Decision Reference DRN-4198051
22 Sep 2023 Blue Motor Finance Ltd UpheldConsumer CreditDRN-4198051 The complaint Mrs K complains that the car she acquired financed through a hire purchase agreement with Blue Motor Finance Ltd wasn't of satisfactory quality. What happened Mrs K is represented in her complaint. However, for the sake of simplicity in this decision I have r... (4 pages)View decision -
Decision Reference DRN-4357074
22 Sep 2023 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-4357074 The complaint Mr C complains that BMW Financial Services (GB) Limited, trading as Alphera Financial Services, has treated him unfairly by terminating his hire purchase agreement after agreeing a payment deferral plan. What happened In July 2019 Mr C acquired a used car financed... (5 pages)View decision -
Decision Reference DRN-4294568
22 Sep 2023 Scottish Friendly Assurance Society Limited UpheldPensions and AnnuitiesDRN-4294568 The complaint Mr G is unhappy with delays caused by Scottish Friendly Assurance Society Ltd (SF) when transferring the value of the pension he held with them to another provider. What happened Mr G had a personal pension with SF, which reached maturity in December 2022 when Mr ... (4 pages)View decision -
Decision Reference DRN-4330945
22 Sep 2023 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-4330945 The complaint Mr H is unhappy with how Admiral Insurance (Gibraltar) Limited have dealt with a claim he made on a commercial motor policy. What happened The details of the complaint are well known to both parties, so I won’t repeat them again here. Instead, I’ll focus on provid... (2 pages)View decision -
Decision Reference DRN-4349079
22 Sep 2023 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4349079 The complaint Miss C complains about damage caused to her home during the installation of a boiler paid for with finance provided by Creation Consumer Finance Ltd. What happened In February 2022 Miss C took out a regulated fixed sum loan with Creation to pay for the supply and ... (2 pages)View decision -
Decision Reference DRN-4363517
22 Sep 2023 Scottish Widows Limited UpheldPensions and AnnuitiesDRN-4363517 The complaint Mrs F complained that Scottish Widows Limited trading as Clerical Medical (Clerical Medical) has caused her significant distress and inconvenience as well as a possible financial loss through its poor administration of contributions into her pension scheme over a ... (7 pages)View decision -
Decision Reference DRN-4064174
22 Sep 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4064174 The complaint Mr A complains that Options UK Personal Pensions LLP (‘Options’ – formerly Carey Pensions) shouldn’t have accepted the transfer of his defined benefit (‘DB’) scheme into a self-invested personal pension (‘SIPP’). The parties involved Given there were several parti... (42 pages)View decision -
Decision Reference DRN-4288027
22 Sep 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4288027 The complaint Mr G complains about the way Barclays Bank UK PLC handled the issuing of a new credit card. What happened The facts are well known to the parties – so I will cover these briefly and focus on giving reasons for my decision. In summary, Mr G says he applied for a cr... (3 pages)View decision -
Decision Reference DRN-4316317
22 Sep 2023 True Potential Wealth Management LLP UpheldPensions and AnnuitiesDRN-4316317 The complaint Mr L complains about the advice given by True Potential Wealth Management LLP (‘TPWM’) 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... (7 pages)View decision -
Decision Reference DRN-3990262
22 Sep 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3990262 The complaint Mr A complains that HSBC UK Bank Plc notified him to say they would be applying interest and charges to his accounts despite there being an agreement in place that this would be suspended. What happened Mr A has a personal loan, credit card and overdraft with HSBC... (3 pages)View decision
