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 120469 results
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Decision Reference DRN-3848376
14 Dec 2022 QIC Europe Ltd UpheldInsuranceDRN-3848376 The complaint Mr W is unhappy that QIC Europe Limited (QIC) declined his claim under his home insurance for storm damage. Miss J brought the complaint on his behalf but, for ease of reading, I’ll refer only to Mr W throughout my decision. What happened Mr W was the sole named p... (4 pages)View decision -
Decision Reference DRN-3858065
14 Dec 2022 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3858065 The complaint Mr G complains that National Westminster Bank Plc (“NatWest”) won’t refund money he lost to a cryptocurrency investment scam. What happened In February 2021, Mr G came across cryptocurrency investment on social media. He states he completed an enquiry form and sub... (4 pages)View decision -
Decision Reference DRN-3838719
14 Dec 2022 Williams & Watt Financial Planning Limited UpheldPensions and AnnuitiesDRN-3838719 The complaint Mr S complains that Williams & Watt Financial Planning Limited gave poor advice about the amount of contributions that could be paid into his personal pension and as a result, the value of his pension is lower than it would have been if he had been given the c... (5 pages)View decision -
Decision Reference DRN-3838784
14 Dec 2022 Williams & Watt Financial Planning Limited UpheldPensions and AnnuitiesDRN-3838784 The complaint Mrs S complains that Williams & Watt Financial Planning Limited gave poor advice about the amount of contributions that could be paid into her personal pension and as a result, the value of her pension is lower than it would have been if she had been given the... (5 pages)View decision -
Decision Reference DRN-3774654
14 Dec 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3774654 The complaint Mr C complains that Bank of Scotland plc, trading as Halifax, charged him too much in interest on his overdraft during the pandemic months. Mr C has explained that he was in financial difficulties. What happened Mr C had an account with Halifax. It was an Ultimate... (9 pages)View decision -
Decision Reference DRN-3825658
14 Dec 2022 Monzo Bank Ltd UpheldBanking and PaymentsDRN-3825658 The complaint Mr R complains that Monzo Bank Ltd (“Monzo”) won’t refund money he lost to an investment scam. What happened In October 2020, Mr R connected with an individual “L” on a dating app. A short while after they started communicating, L suggested they could help Mr R ma... (6 pages)View decision -
Decision Reference DRN-3175859
14 Dec 2022 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3175859 The complaint Mr S complains that Options UK Personal Pensions LLP (“Options” - formerly Carey Pensions) accepted his investment into a self-invested personal pension (SIPP) when, he says, it acted in breach of its duties towards him by accepting business from the business who ... (43 pages)View decision -
Decision Reference DRN-3854236
14 Dec 2022 QIC Europe Ltd UpheldInsuranceDRN-3854236 The complaint Mr and Mrs T complain that QIC Europe Ltd (“QIC”) have unfairly handled a subsidence claim made under their buildings insurance policy. Any reference to Mr and Mrs T, or QIC includes respective agents or representatives. What happened The background to this compla... (2 pages)View decision -
Decision Reference DRN-3809324
14 Dec 2022 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-3809324 The complaint Mr S complained that his claim was unfairly declined by Royal & Sun Alliance Insurance Plc (“RSA”) under his home insurance policy and he thought it was unreasonable that RSA decided to subsequently cancel his policy. What happened Mr S made a claim to RSA for... (3 pages)View decision -
Decision Reference DRN-3858453
14 Dec 2022 Nationwide Building Society UpheldBanking and PaymentsDRN-3858453 The complaint Miss M complains that Nationwide Building Society (“Nationwide”) didn’t do enough to help her retrieve money she paid to a merchant for items she didn’t receive. What happened Miss M is a customer of Nationwide. In August 2020, she purchased a fireplace and a TV c... (4 pages)View decision
