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-3802760
11 Nov 2022 AA Underwriting Insurance Company Limited UpheldInsuranceDRN-3802760 The complaint Mr H is unhappy an escape of water damage claim made under his buildings insurance policy has been declined by AA Underwriting Insurance Company Limited (AA). What happened Mr H suspected he had a leak in the shower area in his bathroom, so he arranged for contrac... (4 pages)View decision -
Decision Reference DRN-3637727
11 Nov 2022 Barclays Bank UK PLC UpheldInvestmentsDRN-3637727 The complaint Mrs H has complained about advice received from Barclays Bank UK PLC when taking out a non-reviewable whole of life policy. What happened In February 2006 Mrs H took out a non-reviewable whole of life policy through Barclays. Advice was given to Mr and Mrs H but t... (2 pages)View decision -
Decision Reference DRN-3784614
11 Nov 2022 Omni Financial Limited UpheldPensions and AnnuitiesDRN-3784614 The complaint Mr M complains that Omni Financial Ltd (Omni) retained the advice fee paid on the transfer of a personal pension. He believes the fee should be returned to him because he exercised his cooling off rights due to having lost faith with his adviser. It is noted that ... (5 pages)View decision -
Decision Reference DRN-3784632
11 Nov 2022 Omni Financial Limited UpheldPensions and AnnuitiesDRN-3784632 The complaint Mrs M complains that Omni Financial Ltd (Omni) retained the advice fee paid on the transfer of a personal pension. She believes the fee should be returned to her because she exercised her cooling off rights due to her having lost faith with her adviser. What happe... (5 pages)View decision -
Decision Reference DRN-3637907
11 Nov 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3637907 The complaint Mr M complains about two loans provided to him by Madison CF UK Limited, trading as 118 118 Money, (“118 118”), which he says were unaffordable. What happened 118 118 agreed two loans for Mr M. Loan 1 was for £1,000 and was taken out in December 2020. Loan 2 was f... (5 pages)View decision -
Decision Reference DRN-3802251
11 Nov 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3802251 The complaint Ms S complains about Lloyds Bank PLC holding her liable for transactions she says she didn’t authorise. What happened In August 2019, a series of transactions were made from Ms S’s account which she says she didn’t make. She said she received a suspicious phone ca... (6 pages)View decision -
Decision Reference DRN-3802331
11 Nov 2022 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-3802331 The complaint Mr M complains that The Royal Bank of Scotland Plc (“RBS”) has unfairly treated him in relation to a business bank account. What happened The background of this complaint is well known to all parties, so I’ve summarised events. Mr M holds a business account with ... (3 pages)View decision -
Decision Reference DRN-3802425
11 Nov 2022 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3802425 The complaint A company I’ll refer to as U complains that National Westminster Bank PLC (NatWest) blocked and closed its account, without warning and without explaining why. U is represented by its director, Mr T. What happened Mr T says U’s account was blocked on 14 September ... (3 pages)View decision -
Decision Reference DRN-3753718
11 Nov 2022 Clear Score Technology Limited UpheldConsumer CreditDRN-3753718 The complaint Mr A complains the product he took out with ClearScore Technology Limited trading as ClearScore didn’t prevent fraud from being committed against him. And they also didn’t notify him when he became a victim of fraud. What happened In April 2021, Mr A says he paid ... (3 pages)View decision -
Decision Reference DRN-3482079
11 Nov 2022 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-3482079 The complaint Mr A complains about a fixed sum loan he took out with Clydesdale Financial Services Limited trading as Barclays Partner Finance, to pay for a new kitchen. What happened In December 2018, Mr A agreed to a design with a supplier, who I’ll call X, for a new kitchen ... (5 pages)View decision
