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 120163 results
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Decision Reference DRN-3840848
8 Dec 2022 U K Insurance Limited UpheldInsuranceDRN-3840848 The complaint Miss M is unhappy with the service provided by UK Insurance Limited (trading as Churchill) when she asked about changing the details of her motor insurance policy. What happened Miss M had a motor insurance policy with Churchill. She was recorded as the main drive... (3 pages)View decision -
Decision Reference DRN-3794849
8 Dec 2022 Watford Insurance Company Europe Limited UpheldInsuranceDRN-3794849 The complaint Mr O has complained about his car insurer Watford Insurance Company Europe Limited because it cancelled his policy, believing it had been fraudulently set up. What happened Mr O moved home in November 2021. In January he arranged cover for his car with Watford. In... (2 pages)View decision -
Decision Reference DRN-3836155
8 Dec 2022 Nationwide Building Society UpheldBanking and PaymentsDRN-3836155 The complaint Mr Y has a series of complaints linked to Nationwide Building Society’s decision to close his accounts. What happened Nationwide wrote to Mr Y in August 2020, telling him they’d decided to close his current, savings and credit card accounts. They said he had until... (2 pages)View decision -
Decision Reference DRN-3849111
8 Dec 2022 Capital One (Europe) plc UpheldBanking and PaymentsDRN-3849111 The complaint Mr G complains that his Capital One (Europe) plc credit card was charged off and defaulted. He wants his account reinstated. What happened Mr G fell behind with his credit card payments due to ill health meaning he couldn’t work. He says he called Capital One on s... (3 pages)View decision -
Decision Reference DRN-3711218
8 Dec 2022 Advantage Insurance Company Limited UpheldInsuranceDRN-3711218 The complaint Ms N complains that Advantage Insurance Company Limited (Advantage) didn’t complete all repairs to her car after an accident when she made a claim on her car insurance policy. What happened In October 2021 Ms N had a collision with a dead adult deer whilst driving... (2 pages)View decision -
Decision Reference DRN-3837578
8 Dec 2022 Abbey Financial Services (N.I.) Ltd UpheldPensions and AnnuitiesDRN-3837578 The complaint I set out the background to this complaint in my earlier provisional decision, for clarity, I repeat it here. Miss A complains that she was given advice by Abbey Financial Services (NI) Ltd (Abbey) to switch her personal pension (PP) plans with Aviva and Royal Lon... (10 pages)View decision -
Decision Reference DRN-3788226
8 Dec 2022 Financial Administration Services Limited UpheldInvestmentsDRN-3788226 The complaint Mrs D’s representative, her husband (Mr D), complains on her behalf about the transfer of her stocks from a third-party provider, referred to as “the transferor”, to her ISA at Financial Administration Services Limited, referred to as “Fidelity” or “the business”.... (6 pages)View decision -
Decision Reference DRN-3845646
8 Dec 2022 Progressive Money Limited UpheldConsumer CreditDRN-3845646 The complaint Mrs S complains that Progressive Money Limited irresponsibly (“PML”) lent to her when it was unaffordable. She says the lending has caused her loss and to put things right, she wants a refund of the interest, fees and charges paid. What happened I issued a provisi... (3 pages)View decision -
Decision Reference DRN-3827006
8 Dec 2022 Society of Lloyd's UpheldInsuranceDRN-3827006 The complaint Mrs S complains that Society of Lloyd’s (Lloyd’s) declined a claim for her horse’s treatment under an exclusion to her policy in respect of all issues related to the digestive tract. What happened Mrs S had a Horse and Pony insurance policy for her horse with Lloy... (3 pages)View decision -
Decision Reference DRN-3842815
8 Dec 2022 CASFS Ltd UpheldInvestmentsDRN-3842815 The complaint Mr C has complained about the advice he was given by Sanlam Financial Services UK Limited (‘Sanlam’) to invest into four Savings Programmes between 1987 and 1991. Mr C has said he lost out financially as a result of the poor advice. Mr C has brought his complaint ... (7 pages)View decision
