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
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Decision Reference DRN-4148502
23 May 2023 QIC Europe Ltd UpheldInsuranceDRN-4148502 The complaint Mr A complains about QIC Europe Ltd (“QIC”) for declining his claim in its entirety. He wants QIC to accept and settle his claim for damage. What happened Mr A held building insurance with QIC from May 2022. In November 2022, following heavy rain, Mr A observed th... (2 pages)View decision -
Decision Reference DRN-4119008
23 May 2023 Santander UK Plc UpheldBanking and PaymentsDRN-4119008 The complaint Mr R complains that due to a Santander UK Plc error, he wasn’t able to take advantage of a year’s Individual Savings Account (ISA) allowance. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. The facts a... (2 pages)View decision -
Decision Reference DRN-4147195
23 May 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4147195 The complaint A company, which I’ll refer to as W, complains about how National Westminster Bank Plc conducted a review of W’s business profile, which resulted in restrictions being placed on W’s account. Mr B, a director of W, brings the complaint on W’s behalf. What happened ... (6 pages)View decision -
Decision Reference DRN-4021451
23 May 2023 Haven Insurance Company Limited UpheldInsuranceDRN-4021451 The complaint Miss H has complained about her car insurer Haven Insurance Company Limited regarding two claims she made to it. What happened In March 2022, Miss H found her car had been damaged – it was dented and scratched on its side and she found the seatbelt wasn’t working.... (3 pages)View decision -
Decision Reference DRN-4036458
23 May 2023 QIC Europe Ltd UpheldInsuranceDRN-4036458 The complaint Ms H complains that QIC Europe Ltd unfairly declined a claim she made on her buildings insurance policy. Reference to QIC includes its agents. What happened Ms H held a buildings insurance policy with QIC. When she noticed damage to her conservatory, she made a cl... (2 pages)View decision -
Decision Reference DRN-4076118
23 May 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4076118 The complaint Mrs A, through a representative, says Everyday Lending Limited (ELL), trading as Everyday Loans, irresponsibly lent to her. What happened Mrs A took out an instalment loan from ELL in July 2019 for £2,000 over 24 months. The monthly repayments were £163.75 and the... (3 pages)View decision -
Decision Reference DRN-4102008
23 May 2023 Gain Credit LLC UpheldConsumer CreditDRN-4102008 The complaint Mr S complains that Gain Credit LLC trading as Lending Stream made an error when it didn’t remove adverse information from his credit file when it should have. What happened The adjudicator set out a very detailed background to this complaint, those facts aren’t i... (2 pages)View decision -
Decision Reference DRN-4138215
23 May 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4138215 The complaint Mr K and Miss V, through their representative, complain that Everyday Lending Limited, trading as Everyday Loans, lent to them irresponsibly. e What happened One loan was approved for them in May 2018 for £3,100 with a 24 month term repayable at £303.98. The total... (4 pages)View decision -
Decision Reference DRN-4118708
23 May 2023 Soteria Insurance Limited UpheldInsuranceDRN-4118708 The complaint Mr M’s complaint is about a claim he made on his Soteria Insurance Limited legal expenses insurance policy. All references to Soteria include their claims handlers. What happened Mr M made a claim on his Soteria Insurance Limited legal expenses insurance policy fo... (4 pages)View decision -
Decision Reference DRN-4147725
23 May 2023 Great Lakes Insurance SE UpheldInsuranceDRN-4147725 The complaint Mr S is unhappy Great Lakes Insurance SE declined his claim for a stolen mobile phone. What happened Mr S took out insurance underwritten by Great Lakes in June 2022 to cover his mobile phone for accidental damage, theft, and loss. In July 2022 Mr S travelled to a... (3 pages)View decision
