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-4174862
23 Jul 2023 Liberty Seguros Compania de Seguros Y Reaseguros, S.A. UpheldInsuranceDRN-4174862 The complaint A company I will refer to as C complains about Liberty Seguros Compania de Seguros Y Reaseguros, S.A’s (Liberty) handling of its claim following the total loss of several vehicles due to a fire, under its commercial motor insurance policy. What happened C says tha... (6 pages)View decision -
Decision Reference DRN-4254109
21 Jul 2023 ReAssure Limited UpheldPensions and AnnuitiesDRN-4254109 The complaint Ms J complains that, after she’d requested a full withdrawal of funds held in a pension with ReAssure Ltd, they’d taken too long to make a payment to her. What happened Ms J had a personal pension with ReAssure. In May 2021, she approached them to withdraw the ful... (5 pages)View decision -
Decision Reference DRN-4260041
21 Jul 2023 Scottish Widows Limited UpheldPensions and AnnuitiesDRN-4260041 The complaint Mr C has complained about the handling of a pension withdrawal by Scottish Widows Limited, trading as Halifax Financial Services (HFS). What happened The investigator who considered this matter set out the background to the complaint in his assessment of the case.... (6 pages)View decision -
Decision Reference DRN-4108584
21 Jul 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4108584 The complaint Mr B is unhappy that he only received a partial refund from his bank – Barclays Bank UK PLC – after he was the victim of an authorised push payment (APP) scam. What happened Mr B was called by scammers pretending to be from Barclays saying his account was under th... (4 pages)View decision -
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
