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 125299 results
-
Decision Reference DRN-4108208
13 Jun 2023 AWP P&C SA UpheldInsuranceDRN-4108208 The complaint Mr C and Mrs G complain that AWP P&C SA unfairly declined their travel insurance claim. AWP is the underwriter of this policy i.e. the insurer. Part of this complaint concerns the actions of its agent. As AWP has accepted it is accountable for the actions of t... (3 pages)View decision -
Decision Reference DRN-3425619
13 Jun 2023 Vision Independent Financial Planning Ltd UpheldPensions and AnnuitiesDRN-3425619 The complaint Mr R complains about the advice an appointed representative of Vision Independent Financial Planning Ltd gave to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a personal pension. He says the advice was unsuitable for him and ... (14 pages)View decision -
Decision Reference DRN-4173773
13 Jun 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4173773 The complaint Mr S is a sole trader. He complains that HSBC UK Bank Plc unfairly terminated his Bounce Back Loan agreement and closed his bank account. What happened Mr S opened a bank account with HSBC for his sole trader business in July 2020. He successfully applied to the b... (5 pages)View decision -
Decision Reference DRN-4184984
12 Jun 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4184984 The complaint Mr E complains that National Westminster Bank Plc closed his current account and withheld his funds for longer than necessary. As a result, he was unable to pay his credit card bill and incurred additional charges. What happened Mr E had both a current account and... (2 pages)View decision -
Decision Reference DRN-4184407
12 Jun 2023 One Insurance Limited UpheldInsuranceDRN-4184407 The complaint Miss L complains that One Insurance Limited mishandled a claim on her motor insurance policy. What happened Miss L had a sports utility vehicle. For the year from late August 2021, Miss L had the car insured on a comprehensive policy branded with the name of an in... (5 pages)View decision -
Decision Reference DRN-4184140
12 Jun 2023 First Response Finance Ltd UpheldConsumer CreditDRN-4184140 The complaint Miss B complains about credit granted to her by First Response Finance Ltd. What happened First Response agreed credit of £4,642 for Miss B in April 2018 in order for her to acquire a car. The cash price of the car was £4,942. The total amount owing under the agre... (4 pages)View decision -
Decision Reference DRN-4184638
12 Jun 2023 Scottish Friendly Assurance Society Limited UpheldPensions and AnnuitiesDRN-4184638 The complaint Mr L complains that Scottish Friendly Assurance Society Limited (Scottish Friendly) poorly handled the transfer of his pensions, causing him a delay in the income payments he wanted to take. What happened Mr L had a pension policy with Scottish Friendly and in lat... (5 pages)View decision -
Decision Reference DRN-3612384
12 Jun 2023 HDI Global Specialty SE UpheldInsuranceDRN-3612384 The complaint A charity, which I’ll refer to as W, complains that HDI Global Speciality SE (HDI) unfairly declined a storm damage claim made by the previous building owner, whom I’ll refer to as E, under its Church Choice insurance policy. Mr L, who is a trustee of W, brings th... (3 pages)View decision -
Decision Reference DRN-3613766
12 Jun 2023 Lighthouse Advisory Services Limited UpheldPensions and AnnuitiesDRN-3613766 The complaint Mr S complains that Lighthouse Financial Advice Limited, an appointed representative of Lighthouse Advisory Services Limited (‘Lighthouse’) gave him unsuitable advice to transfer deferred benefits from his defined benefit (DB) pension with British Steel (BSPS) to ... (5 pages)View decision -
Decision Reference DRN-4164942
12 Jun 2023 Accredited Insurance (Europe) Ltd UpheldInsuranceDRN-4164942 The complaint Mr C complains about Accredited Insurance (Europe) Ltd (“AIL”) and their decision to decline the claim he made on his motor insurance policy. What happened Mr C held a motor insurance policy, underwritten by AIL. Unfortunately, on 31 December 2022, Mr C’s car seiz... (3 pages)View decision
