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 125363 results
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Decision Reference DRN-4158253
15 Jun 2023 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4158253 The complaint Mrs T is unhappy that Creation Consumer Finance Limited, trading as Creation has declined the claim, she made under section 75 of the Consumer Credit Act 1974. What happened In April 2022 Mrs T entered into a fixed sum loan agreement with Creation for the supply a... (4 pages)View decision -
Decision Reference DRN-4097003
15 Jun 2023 Quilter Financial Limited UpheldPensions and AnnuitiesDRN-4097003 The complaint Mr W complained that he was given unsuitable advice to transfer his defined benefit (DB) Occupational Pension Scheme (OPS), to a personal pension, in 2018. Mr W also complained that one defined contribution (DC) pension was transferred across to the new personal p... (13 pages)View decision -
Decision Reference DRN-3952425
15 Jun 2023 Bank of Scotland Plc UpheldMortgagesDRN-3952425 The complaint Mr C complains that Bank of Scotland plc (trading as Halifax) applied an Early Repayment Charge (“ERC”) when he redeemed his mortgage. He also complains that Halifax mistakenly told him that he didn’t need to make his final monthly payment. What happened Around De... (4 pages)View decision -
Decision Reference DRN-3902988
15 Jun 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3902988 The complaint Mr W 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 an investment portfolio. He wants Options to put... (39 pages)View decision -
Decision Reference DRN-3993066
15 Jun 2023 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-3993066 The complaint Mr and Mrs C complain about Royal & Sun Alliance Insurance Limited’s (RSA) handling of their claim following an escape of water, under their home buildings insurance policy. What happened In April 2021 Mr and Mrs C discovered water leaking from an upstairs bat... (5 pages)View decision -
Decision Reference DRN-4189936
15 Jun 2023 Abacus Money Management Ltd UpheldPensions and AnnuitiesDRN-4189936 The complaint Mr S complains about Abacus Money Management Ltd’s handling of his request to transfer the funds from his occupational pension defined benefit (‘DB’) scheme to another pension with flexible benefits. Mr S believes that as a result of Abacus’ handling of the matter... (12 pages)View decision -
Decision Reference DRN-3973041
15 Jun 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3973041 The complaint Mrs P complains Barclays Bank UK PLC won’t refund her for a purchase she didn’t receive. What happened Mrs P was looking to buy a graphics card and found one at a good price. Mrs P paid using her Barclays debit card but never received the graphics card. Mrs P cont... (3 pages)View decision -
Decision Reference DRN-4107472
15 Jun 2023 Ageas Insurance Limited UpheldInsuranceDRN-4107472 The complaint Mr and Mrs K complain Ageas Insurance Limited unfairly declined part of a claim it made for damage caused by subsidence. What happened Ageas accepted a claim for damage cause by subsidence a number of years ago. Mr and Mrs K have raised several complaints about th... (3 pages)View decision -
Decision Reference DRN-4188571
15 Jun 2023 Zurich Assurance Ltd UpheldInvestmentsDRN-4188571 The complaint Mr and Mrs H have complained about delays by Zurich Assurance Ltd in processing and settling their critical illness claim. What happened Mr and Mrs H had two policies providing life and critical illness cover with Zurich. In February 2022, Mr H was sadly diagnosed... (3 pages)View decision -
Decision Reference DRN-4189777
15 Jun 2023 ITI Capital Limited UpheldInvestmentsDRN-4189777 The complaint Mr N has complained about the delays he experienced when trying to close his two accounts he held with ITI Capital Limited (‘ITI’). Mr N has said that as a result of the delays, he has suffered a loss of around £7,000 and wants this returned to him. What happened ... (8 pages)View decision
