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-3749891
5 Jul 2023 Finesco Financial Services Limited UpheldPensions and AnnuitiesDRN-3749891 The complaint Mr T is unhappy with the advice he received from Finesco Financial Services Limited (FFSL) to transfer benefits from his former employer’s defined benefit scheme to a personal pension plan. He believes the advice was negligent and has caused him to suffer a financ... (9 pages)View decision -
Decision Reference DRN-3946931
5 Jul 2023 Home Retail Group Card Services Limited UpheldConsumer CreditDRN-3946931 The complaint Mr E complains that Home Retail Group Card Services Limited, trading as Argos Financial Services, who I’ll call “Argos” were unreasonable to apply interest to his Buy Now Pay Later (BNPL) purchases. What happened The details of this complaint are well known to bot... (2 pages)View decision -
Decision Reference DRN-4225599
5 Jul 2023 Allianz Insurance Plc UpheldInsuranceDRN-4225599 The complaint Mr and Mrs R are represented by K, a law firm. They complain that Allianz Insurance Plc has declined their claim for water damage to their commercial let property. The claim was dealt with by loss adjusters although for convenience I shall refer to Allianz through... (5 pages)View decision -
Decision Reference DRN-4228631
5 Jul 2023 Euphoria Finance Limited UpheldConsumer CreditDRN-4228631 The complaint Mr G complains about credit granted to him by Euphoria Finance Limited. What happened Euphoria agreed credit for Mr G in April 2021 to finance a car. The cash price of the car was £5,995. Mr G paid a deposit of £500 and borrowed £5,495. The total amount owed under... (4 pages)View decision -
Decision Reference DRN-4227457
5 Jul 2023 Blue Motor Finance Ltd UpheldConsumer CreditDRN-4227457 The complaint Mr W complains that Blue Motor Finance Ltd (BMF) irresponsibly granted him credit. Mr W has brought his complaint to us via a complaints management company but I’ll refer to him throughout for simplicity. What happened Mr W entered into a credit agreement with BMF... (3 pages)View decision -
Decision Reference DRN-4214659
5 Jul 2023 Rothesay Life Plc UpheldPensions and AnnuitiesDRN-4214659 The complaint Mrs P complains that Rothesay Life Plc (Rothesay) paid her less than its original illustration of benefits from her occupational pension scheme (OPS) said it would. She says because it recalculated the benefits, she received less tax free cash (TFC) and a lower in... (6 pages)View decision -
Decision Reference DRN-4164472
5 Jul 2023 British Gas Insurance Limited UpheldInsuranceDRN-4164472 The complaint Mr R complains about British Gas Insurance Limited’s (‘BG’s’) handling of his HomeCare claim. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead, I’ll focus on giving my reasons for my decision. W... (2 pages)View decision -
Decision Reference DRN-4165976
5 Jul 2023 Nationwide Building Society UpheldMortgagesDRN-4165976 The complaint Miss B and Mr C are unhappy that Nationwide Building Society down-valued the property they wanted to purchase. As a result, they were unable to port their interest rate product onto a new mortgage on that property. They found another lender, which offered them a m... (4 pages)View decision -
Decision Reference DRN-4225852
5 Jul 2023 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4225852 The complaint Mr H complains that Clydesdale Bank Plc trading as Virgin Money are not allowing him to fully contribute his 2022/2023 Individual Savings Account (ISA) allowance into a fixed rate ISA he holds with them. What happened Mr H opened a fixed rate ISA with Virgin Money... (2 pages)View decision -
Decision Reference DRN-4224569
5 Jul 2023 West Bay Insurance Plc UpheldInsuranceDRN-4224569 The complaint Miss S complains that West Bay Insurance Plc haven’t given her a fair settlement valuation for her car after it was deemed a total loss. What happened In January 2023 Miss S made a claim on her car insurance policy following an accident. West Bay collected the car... (3 pages)View decision
