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 122183 results
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Decision Reference DRN-3947042
21 Feb 2023 Erudio Student Loans Limited UpheldConsumer CreditDRN-3947042 The complaint Mrs S complains that Erudio Student Loans Limited unfairly terminated her loan agreement. What happened Mrs S had student loans with Erudio that were in arrears and subject to deferment. The deferment was due to end towards the end of June 2022. At the end of Apri... (2 pages)View decision -
Decision Reference DRN-3618454
21 Feb 2023 Gain Credit LLC UpheldConsumer CreditDRN-3618454 The complaint Mrs M, through her representative, complains that Gain Credit LLC, trading as Drafty, lent to her, and increased her credit limits, when she could not afford it. What happened This was not a loan. Drafty offered a credit facility which commenced with a limit being... (4 pages)View decision -
Decision Reference DRN-3646342
21 Feb 2023 ReAssure Limited UpheldInvestmentsDRN-3646342 The complaint Mrs M, a trustee of Trust M, complains her trust’s whole of life policies were unfairly due to be acquired by ReAssure Limited without her consent. She also complains ReAssure’s predecessor pressured her into surrendering all but one of them. What happened Trust M... (5 pages)View decision -
Decision Reference DRN-3737548
21 Feb 2023 ReAssure Limited UpheldPensions and AnnuitiesDRN-3737548 The complaint Mr L complains that ReAssure Limited have provided a poor service, which caused delays that prevented him from completing his pension transfer. What happened Mr L has two pension policies with ReAssure. Mr L explains that he initially instructed an independent fin... (4 pages)View decision -
Decision Reference DRN-3932769
21 Feb 2023 esure Insurance Limited UpheldInsuranceDRN-3932769 The complaint Mrs G and Mr G complain about esure Insurance Limited (EIL) and the handling of the claim they made on their home insurance policy. Mrs G and Mr G have used a representative during the complaint process. For ease of reference, I will refer to any comments made, or... (4 pages)View decision -
Decision Reference DRN-3961822
21 Feb 2023 AA Underwriting Insurance Company Limited UpheldInsuranceDRN-3961822 The complaint Mr P complains about AA Underwriting Insurance Company Limited (AA) making an offer to settle a claim under his home insurance policy for damage to his property in bad weather, but then declining the claim. References to AA include their agents who administer the ... (4 pages)View decision -
Decision Reference DRN-3823004
21 Feb 2023 QIC Europe Ltd UpheldInsuranceDRN-3823004 The complaint Mr D and Ms H are unhappy with QIC Europe Ltd’s (QIC) decision to decline a claim made under their buildings insurance policy. Any references to QIC include its agents. What happened Mr D and Ms H bought their property in February 2022. A few months after they mov... (2 pages)View decision -
Decision Reference DRN-3903994
21 Feb 2023 Capital Professional Limited UpheldPensions and AnnuitiesDRN-3903994 The complaint Mrs B complains that the advice she was given in 2017 by Capital Professional Limited (CPL), to transfer her existing Self-Invested Personal Pension (SIPP) into an alternative SIPP arrangement, and then invest those funds with a Discretionary Fund Manager (DFM) wa... (8 pages)View decision -
Decision Reference DRN-3945336
20 Feb 2023 HSBC UK Bank Plc UpheldConsumer CreditDRN-3945336 The complaint Mr M complains that HSBC UK Bank Plc lent to him irresponsibly. What happened Mr M was given a loan of £12,000 by HSBC in July 2019. The loan was due to be repaid in 60 months by monthly instalments of £290.21. The total amount repayable was £17,412.80. Mr M compl... (3 pages)View decision -
Decision Reference DRN-3976073
20 Feb 2023 AXA Insurance UK Plc UpheldInsuranceDRN-3976073 The complaint Mr D complains about AXA Insurance UK Plc (“AXA”) for declining his claim for damage to his home during a storm. He wants AXA to settle his claim. What happened Mr D lives in a period property. He insured his home with AXA. In February 2022, Storm Eunice hit the a... (3 pages)View decision
