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 121876 results
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Decision Reference DRN-3916410
21 Jul 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3916410 The complaint Mr W has complained that HSBC UK Bank Plc (HSBC) has refused to refund him the money he lost falling victim to a scam. Mr W is being represented by a third party. To keep things simple, I will refer to Mr W throughout my decision. What happened The background of t... (4 pages)View decision -
Decision Reference DRN-4250963
21 Jul 2023 TSB Bank plc UpheldBanking and PaymentsDRN-4250963 The complaint Mr N complains that TSB Bank plc unfairly decided that he wasn’t eligible for its £200 account switch incentive. What happened In February, Mr N arranged to switch a third-party bank account over to TSB, so he could take advantage of TSB’s £200 switching incentive... (3 pages)View decision -
Decision Reference DRN-4259734
21 Jul 2023 Gallium Fund Solutions Limited UpheldInvestmentsDRN-4259734 Complaint Mrs A complains she was mis-sold an investment she made in a bond issued by Basset & Gold Plc (“B&G plc”). She says she was led to believe that all funds were fully secured and security backed, but now knows that was not the case and therefore thinks she was m... (11 pages)View decision -
Decision Reference DRN-3963208
21 Jul 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3963208 The complaint Mr M complains that Options UK Personal Pensions LLP (‘Options’) shouldn’t have accepted his application to transfer his defined benefit pension into a self-invested personal pension (‘SIPP’) and invest his funds in a Friends Provident International (‘FPI’) bond. ... (37 pages)View decision -
Decision Reference DRN-4258571
21 Jul 2023 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4258571 The complaint Mrs M complains about how Specialist Motor Finance Limited (SMF) treated her, when she encountered financial difficulties with a hire purchase agreement. What happened In November 2018, Mrs M says she was asked by her ex-partner, who I’ll call ‘A’, to help him get... (7 pages)View decision -
Decision Reference DRN-4248679
21 Jul 2023 Bank of Scotland Plc UpheldMortgagesDRN-4248679 The complaint Miss S and Mr S complain that Bank of Scotland plc trading as Birmingham Midshires (“BM”) increased their contractual monthly payments (“CMPs”) following a system change without adequate notice or explanation. What happened Miss S and Mr S have two buy to let mort... (4 pages)View decision -
Decision Reference DRN-4259603
21 Jul 2023 Ideal Financial Management Limited UpheldPensions and AnnuitiesDRN-4259603 The complaint Mr M complains about the advice given by Ideal Financial Management Limited (‘Ideal’) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme with British Steel (‘BSPS’) to a personal pension. He says the advice was unsuitable for him ... (11 pages)View decision -
Decision Reference DRN-4215874
21 Jul 2023 Liverpool Victoria Insurance Company Limited UpheldInsuranceDRN-4215874 The complaint Mr P complains about the customer service he received from Liverpool Victoria Insurance Company Limited (LV) after a third-party claimed he was responsible for damaging their car. What happened In October 2022, another driver accused Mr P of reversing into his car... (2 pages)View decision -
Decision Reference DRN-4259237
21 Jul 2023 Gallium Fund Solutions Limited UpheldInvestmentsDRN-4259237 Complaint Mrs T complains she was mis-sold an investment she made in a bond issued by Basset & Gold Plc (“B&G plc”). She says she was not told what would be done with the money invested in the bond, and that it could only be promoted to certain types of investors. She w... (11 pages)View decision -
Decision Reference DRN-4256485
21 Jul 2023 Aviva Life & Pensions UK Limited UpheldPensions and AnnuitiesDRN-4256485 The complaint Mr B’s complaint is about a number of problems related to Aviva Life & Pensions UK Limited’s administration of his Self-Invested Personal Pension (SIPP). What happened I issued my provisional decision on this complaint on 5 July 2023.The background and circums... (7 pages)View decision
