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-4063775
13 Nov 2023 CST Wealth Management Limited UpheldPensions and AnnuitiesDRN-4063775 The complaint Mr D has complained that CST Wealth Management Limited (CST) gave him unsuitable advice to transfer his defined benefits from his occupational pension scheme (OPS) – the British Steel Pension Scheme (BSPS) – to a Personal Pension Policy (PPP). What happened The in... (8 pages)View decision -
Decision Reference DRN-4436602
13 Nov 2023 Santander UK Plc UpheldBanking and PaymentsDRN-4436602 The complaint Mr T complains that Santander UK Plc unfairly applied an overdraft charge to his current account without explanation. What happened Mr T holds a Santander current account. He received notification of a £3.73 charge the bank was applying to his account, which it sa... (2 pages)View decision -
Decision Reference DRN-4452685
13 Nov 2023 Scottish Widows Limited UpheldPensions and AnnuitiesDRN-4452685 The complaint Miss M has complained about a transfer from her Scottish Widows Limited (“SWL”) personal pension to a small self-administered scheme (“SSAS”) in 2013. Miss M’s SSAS was used to buy shares in a company. Those shares now appear to have little value. Miss M says SWL ... (12 pages)View decision -
Decision Reference DRN-4439958
13 Nov 2023 esure Insurance Limited UpheldInsuranceDRN-4439958 The complaint Mr K complains esure Insurance Limited (Esure) handled his motor insurance claim unfairly. What happened In January 2023 Mr K was involved in a collision with another car whilst driving. He claimed against his Esure motor insurance policy. He was unhappy with its ... (3 pages)View decision -
Decision Reference DRN-3843186
13 Nov 2023 Cambrian Associates Limited UpheldPensions and AnnuitiesDRN-3843186 The complaint Mr S has complained that Cambrian Associates Limited (CAL) gave him unsuitable advice to transfer his defined benefits from his occupational pension scheme (OPS) – the British Steel Pension Scheme (BSPS) – to a Personal Pension Policy (PPP). What happened The inve... (17 pages)View decision -
Decision Reference DRN-4203159
13 Nov 2023 Nationwide Building Society UpheldMortgagesDRN-4203159 The complaint Ms H complains that Nationwide Building Society (Nationwide) delayed her further borrowing application, causing her financial losses and considerable distress and inconvenience. What happened Ms H took out a lifetime mortgage with Nationwide in 2021 to pay for rem... (3 pages)View decision -
Decision Reference DRN-4374055
13 Nov 2023 Fairscore Ltd UpheldConsumer CreditDRN-4374055 The complaint Miss S says Fairscore Ltd, trading as Updraft, irresponsibly lent to her. What happened Miss S took out a loan for £2,600 over 36 months from Updraft in August 2022. The monthly repayments were £98.76 and the total repayable was £3,623.40. She says she should not ... (3 pages)View decision -
Decision Reference DRN-4133952
13 Nov 2023 Lloyds Bank General Insurance Limited UpheldInsuranceDRN-4133952 The complaint Mrs C and Mr C complain about Lloyds Bank General Insurance Limited (“LBI”) and the handling of the claim they made on their home insurance policy. Mr C has acted as the main representative during the claim and complaint process. So, for ease of reference, I will ... (4 pages)View decision -
Decision Reference DRN-4269090
13 Nov 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4269090 The complaint Mr and Mrs R are unhappy that HSBC UK Bank Plc (trading as First Direct) won’t reimburse them for the money they lost when Mr R fell victim to a scam. What happened Mr and Mrs R are represented in this complaint by a solicitor, for simplicity I will refer to Mr an... (4 pages)View decision -
Decision Reference DRN-4406047
13 Nov 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4406047 The complaint Mrs S has complained that Barclays Bank UK PLC (“Barclays”) mis-sold her a number of packaged bank accounts and packs. These are as follows; February 2010 opened in branch as a fee-paying Current Account Plus July 2010 downgraded in branch to a fee-free Barclays... (3 pages)View decision
