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 122405 results
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Decision Reference DRN-4058918
6 Jun 2023 Ageas Insurance Limited UpheldInsuranceDRN-4058918 The complaint A company that I’ll refer to as E has complained about how Ageas Insurance Limited dealt with a claim on its property insurance policy. Mr K, a director of E, has brought the complaint on E’s behalf. For ease of reading, I will refer to E throughout. What happened... (4 pages)View decision -
Decision Reference DRN-4154793
6 Jun 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4154793 The complaint Mr R complains that Tesco Personal Finance PLC trading as Tesco Bank lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened In June 2017 Mr R applied for a credit card with Tesco Bank. In his application... (3 pages)View decision -
Decision Reference DRN-4082557
6 Jun 2023 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4082557 The complaint Mr A complains about a car he acquired under a hire purchase agreement with Creation Consumer Finance Ltd. What happened In November 2021 Mr A acquired a used car under a regulated hire purchase agreement financed by Creation. The car was three years old, had a mi... (3 pages)View decision -
Decision Reference DRN-4171748
6 Jun 2023 Financial Administration Services Limited UpheldPensions and AnnuitiesDRN-4171748 The complaint Ms P complains that following the transfer of her defined benefit pension into a Self-invested Personal Pension (SIPP), Financial Administration Services Limited (FASL) provided incorrect information about investing her funds and this resulted in a financial loss.... (3 pages)View decision -
Decision Reference DRN-4170452
6 Jun 2023 Hargreaves Lansdown Asset Management Limited UpheldInvestmentsDRN-4170452 The complaint The executors of the estate of Mrs P complained that HL failed to distribute dividends that accrued to the estate until some years after the estate’s tax liabilities had been agreed with HMRC. They were also unhappy that HL incorrectly paid a dividend to one of th... (4 pages)View decision -
Decision Reference DRN-4108180
6 Jun 2023 PK Financial Planning LLP UpheldPensions and AnnuitiesDRN-4108180 The complaint Mr C complains about the advice given by PK Financial Planning LLP (‘PKFP’) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a personal pension. He says the advice was unsuitable for him and believes this has caused a financi... (8 pages)View decision -
Decision Reference DRN-4084977
6 Jun 2023 Morses Club PLC UpheldConsumer CreditDRN-4084977 The complaint Ms G, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Ms G was advanced five home collected loans and I’ve included some of the information we’ve receiv... (5 pages)View decision -
Decision Reference DRN-4167923
6 Jun 2023 Curtis Banks Limited UpheldPensions and AnnuitiesDRN-4167923 The complaint Mr B complains that Curtis Banks Limited failed to carry out appropriate due diligence on an investment he intended to make before accepting it into his existing self-invested pension plan (‘SIPP’). What happened Mr B invested £60,000 in the Axiom Legal Financing ... (21 pages)View decision -
Decision Reference DRN-4063995
6 Jun 2023 Liverpool Victoria Financial Advice Services Limited UpheldPensions and AnnuitiesDRN-4063995 The complaint Mr S complains about the advice given by Liverpool Victoria Financial Advice Services Limited (‘LV’). He says that whilst he was given advice not to transfer, he didn’t think the benefits he was giving up from his defined-benefit (‘DB’) occupational pension scheme... (9 pages)View decision -
Decision Reference DRN-4026792
6 Jun 2023 QIC Europe Ltd UpheldInsuranceDRN-4026792 The complaint Mr B has complained that QIC Europe Ltd unfairly declined a claim under his pet insurance policy. What happened On 25 January 2021 Mr B took out a new policy with QIC. On 6 February 2021 Mr B took his cat to the vet because she was wheezing and coughing. Mr B told... (3 pages)View decision
