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 119142 results
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Decision Reference DRN-3786756
19 Dec 2022 Society of Lloyd's UpheldInsuranceDRN-3786756 The complaint Mr B is unhappy that Society of Lloyd’s has increased the cost of his income protection policy. What happened Mr B has had a ‘Homeowner’ income protection policy with SOL since 2016. When Mr B took out the policy, his premium was £58.67 per month. The cost of the ... (6 pages)View decision -
Decision Reference DRN-3862795
19 Dec 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3862795 The complaint Ms J complains through her representative of irresponsible lending by Everyday Lending Limited trading as Everyday Loans. What happened Everyday provided Mrs J with the following loans: Date of loan Amount Term Monthly instalment When repaid Loan 1 11/04/2018 £3,0... (4 pages)View decision -
Decision Reference DRN-3859427
19 Dec 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3859427 The complaint Mr W is unhappy that Madison CF UK Limited, trading as 118 118 Money, didn’t accept he’d been the victim of a scam and that he’d applied for a loan with them as a result of that scam. Mr W is also unhappy that 118 118 continue to hold him liable for the loan insta... (4 pages)View decision -
Decision Reference DRN-3626742
19 Dec 2022 KBFS Financial Limited UpheldPensions and AnnuitiesDRN-3626742 The complaint Mr T complains about the advice given by KBFS Financial Limited to transfer the benefits he held in the British Steel Pension Scheme (‘BSPS’) to a personal pension. The BSPS was a defined benefit (‘DB’) occupational pension scheme. He says the advice was unsuitabl... (15 pages)View decision -
Decision Reference DRN-3856171
19 Dec 2022 QIC Europe Ltd UpheldInsuranceDRN-3856171 The complaint Mr P and Mr S have complained that QIC Europe Ltd (QIC) unfairly declined a claim for storm damage under their home insurance policy. What happened Mr P and Mr S contacted QIC when they found storm damage to their roof and fence. QIC sent a surveyor to assess the ... (4 pages)View decision -
Decision Reference DRN-3848557
19 Dec 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3848557 The complaint Mrs R complains that Lloyds Bank PLC made an error which changed the name on her personal accounts she held with them, to her husband’s name. What happened Mrs R has a current account, savings account and credit card in her name with Lloyds. She took out a home in... (3 pages)View decision -
Decision Reference DRN-3836683
19 Dec 2022 AA Underwriting Insurance Company Limited UpheldInsuranceDRN-3836683 The complaint Mrs P has complained about the way AA Underwriting Insurance Company Limited handled a claim she made under her home insurance policy for damage caused by a storm. What happened Your text here In February 2022 Mrs P’s home was damaged by a named storm. Mrs P was r... (3 pages)View decision -
Decision Reference DRN-3420448
19 Dec 2022 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3420448 The complaint Mr D complains that Options UK Personal Pensions LLP (“Options” - formerly Carey Pensions) accepted his investment into a self-invested personal pension (SIPP) when, he says, it shouldn’t have accepted business from the business who introduced him to Options; Cale... (42 pages)View decision -
Decision Reference DRN-3820905
19 Dec 2022 HFC Bank Limited UpheldInsuranceDRN-3820905 The complaint Miss W complains that HFC Bank Limited mis-sold payment protection insurance (‘PPI’) to her alongside a credit card in 2002. What happened Our adjudicator didn’t think PPI had been mis-sold. She said there wasn’t enough information or evidence to conclude that HFC... (3 pages)View decision -
Decision Reference DRN-3856842
19 Dec 2022 Highway Insurance Company Limited UpheldInsuranceDRN-3856842 The complaint Mr C complains that Highway Insurance Company Limited declined his claim on his commercial motor insurance policy following the theft of his van. What happened Mr C told Highway that his van had been stolen whilst its door was open, but the keys were still in his ... (2 pages)View decision
