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 122183 results
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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 -
Decision Reference DRN-4219003
21 Jul 2023 U K Insurance Limited UpheldInsuranceDRN-4219003 The complaint Mr and Mrs H complain about how U K Insurance Limited (UKI) trading as Direct Line dealt with a claim on their home insurance policy. Mr and Mrs H are represented on this complaint but for ease of reading, I’ve referred to Mr and Mrs H throughout. What happened Mr... (2 pages)View decision -
Decision Reference DRN-4198133
21 Jul 2023 Credit Hero Ltd UpheldClaims ManagementDRN-4198133 The complaint Mr K complains that Credit Hero Ltd (CHL) failed to pursue his complaint about the mis- selling of payment protection insurance (PPI). What happened Mr K said he’d instructed CHL to pursue mis -sold PPI complaints with a couple of lenders before the August 2019 de... (3 pages)View decision -
Decision Reference DRN-4163976
21 Jul 2023 Lifestyle Financial Services (Droitwich) Limited UpheldPensions and AnnuitiesDRN-4163976 The complaint Ms D complains about the advice given by Lifestyle Financial Services (Droitwich) Limited (‘LFS’) to transfer the benefits from her defined-benefit (‘DB’) occupational pension scheme to a personal pension. She says the advice was unsuitable for her and believes th... (8 pages)View decision
