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 119923 results
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Decision Reference DRN-3850834
15 Dec 2022 Covea Insurance plc UpheldInsuranceDRN-3850834 The complaint H complains about delays in an interim claim payment made by Covea Insurance plc after a fire at H’s business premises. What happened H has an insurance policy underwritten by Covea which covers his business premises, contents and business interruption, amongst ot... (3 pages)View decision -
Decision Reference DRN-3850255
15 Dec 2022 Pace Financial Management UpheldPensions and AnnuitiesDRN-3850255 The complaint Mr B complains about the advice given by Pace Financial Management (‘PFM’) to transfer the benefits from his defined-benefit (‘DB’) scheme with British Steel (‘BSPS’) to a personal pension. He says the advice was unsuitable for him and believes this has caused a f... (15 pages)View decision -
Decision Reference DRN-3860055
15 Dec 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3860055 The complaint Mr K complains that HSBC UK Bank Plc unfairly restricted access to his bank account. What happened Mr K held a current account, Individual Savings Account (ISA) and credit card with HSBC. HSBC undertook a review of its relationship with Mr K in October 2020, in li... (4 pages)View decision -
Decision Reference DRN-3854496
15 Dec 2022 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3854496 The complaint Mr D complains that an unregulated business called Commercial Land and Property Brokers (“CL&P”) introduced him to Options UK Personal Pensions LLP (“Options”, which was trading as Carey Pensions UK LLP at the time of the relevant events) and gave him advice a... (39 pages)View decision -
Decision Reference DRN-3859763
15 Dec 2022 Monzo Bank Ltd UpheldBanking and PaymentsDRN-3859763 The complaint Miss T complains that Monzo Bank Ltd won't refund money she lost as a result of a scam. What happened On 24 November 2022 I issued my provisional decision on this complaint. I wanted to give both sides a chance to provide further information before I issued m... (5 pages)View decision -
Decision Reference DRN-3736754
15 Dec 2022 QIC Europe Ltd UpheldInsuranceDRN-3736754 The complaint Mr and Mrs M complain that QIC Europe Ltd (QIC) unfairly declined a claim they made under their home insurance policy. Reference to QIC includes agents acting on its behalf. What happened Mr and Mrs M had a home insurance policy with QIC that covered them for loss... (3 pages)View decision -
Decision Reference DRN-3833258
15 Dec 2022 Provident Personal Credit Limited UpheldConsumer CreditDRN-3833258 The complaint Mr S complains that Provident Personal Credit Limited are holding him liable for three loans which he says he didn’t take out. What happened In 2016 three loans were taken out in Mr S’s name with Provident - £500 in April 2016, £600 in July 2016 and £600 in August... (2 pages)View decision -
Decision Reference DRN-3735176
15 Dec 2022 British Gas Insurance Limited UpheldInsuranceDRN-3735176 The complaint Ms P has complained about how British Gas Insurance Limited (British Gas) dealt with a claim under her home emergency policy. I’m aware that Ms P is represented in this case but, for ease, I will only refer to Ms P. What happened Ms P contacted British Gas because... (3 pages)View decision -
Decision Reference DRN-3854916
15 Dec 2022 American Express Services Europe Limited (AESEL) UpheldBanking and PaymentsDRN-3854916 The complaint Mr D is unhappy with the outcome of a claim he made to American Express Services Europe Limited (AESEL) in respect of flights purchased using his credit card. What happened In summary, Mr D bought flights with an airline (‘the supplier’) which were cancelled becau... (5 pages)View decision -
Decision Reference DRN-3857309
15 Dec 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3857309 The complaint Miss W complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (MoneyBoat) provided her loans during a time that she was having financial difficulties and having to take out other payday loans to settle existing loans. Miss W says she couldn’t a... (8 pages)View decision
