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 121877 results
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Decision Reference DRN-3650925
26 Jan 2023 Wesleyan Assurance Society UpheldPensions and AnnuitiesDRN-3650925 The complaint Mr N has complained about the advice he received in 1996 to take out a Free Standing Additional Voluntary Contributions (FSAVC) plan. The advice was provided by Medical Sickness Society Financial Consultants, which is now known as Wesleyan Assurance Society. Mr N ... (4 pages)View decision -
Decision Reference DRN-3842303
26 Jan 2023 Morses Club PLC UpheldConsumer CreditDRN-3842303 The complaint Mr B, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted him loans. What happened Mr B was advanced seven home collected loans between May 2016 and March 2019. I’ve included some o... (5 pages)View decision -
Decision Reference DRN-3926423
26 Jan 2023 Accredited Insurance (Europe) Ltd UpheldInsuranceDRN-3926423 The complaint Mrs M complains about how Accredited Insurance (Europe) Ltd settled a claim she made on her motor insurance policy following the theft of her car. Reference to Accredited includes its agents. What happened Mrs M holds a motor insurance policy with Accredited. Afte... (3 pages)View decision -
Decision Reference DRN-3192309
26 Jan 2023 TenetConnect Limited UpheldPensions and AnnuitiesDRN-3192309 The complaint Mr S complains about Uniec Prestige Limited (“Uniec”), an appointed representative of TenetConnect Limited (“Tenet”). He says Uniec gave him unsuitable advice when it recommended that he transfer out of his defined benefit (DB) occupational pension scheme (OPS) to... (11 pages)View decision -
Decision Reference DRN-3926019
25 Jan 2023 Aviva Life & Pensions UK Limited UpheldInvestmentsDRN-3926019 The complaint Mr L complains that Aviva Life & Pensions UK Limited has unreasonably refused a critical illness claim he made under his policy definition of ‘heart attack’. He is now represented by a claims management company (‘CMC’) in pursuing his complaint. What happened ... (5 pages)View decision -
Decision Reference DRN-3923411
25 Jan 2023 Robert Bruce Associates UpheldPensions and AnnuitiesDRN-3923411 The complaint Mr W says the advice given and the arrangements made by Robert Bruce Associates (RBA) to transfer his defined benefit (DB) pension funds into a personal pension with Winterthur was unsuitable. Mr W is represented by Claire Collinson Legal (CCL). What happened Firs... (14 pages)View decision -
Decision Reference DRN-3787012
25 Jan 2023 LeasePlan UK Limited UpheldConsumer CreditDRN-3787012 The complaint Mr M is unhappy with the payment schedule for an extension to a hire agreement provided by LeasePlan UK Limited. What happened In March 2018 Mr M took a hire agreement with LeasePlan to acquire a car. Around February 2022 Mr M signed an agreement to extend the hir... (3 pages)View decision -
Decision Reference DRN-3669263
25 Jan 2023 Monzo Bank Ltd UpheldBanking and PaymentsDRN-3669263 The complaint Ms G is unhappy that Monzo Bank Ltd won’t refund payments she didn’t make. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. The facts are not in dispute, so I’ll focus on giving the reasons for my decis... (3 pages)View decision -
Decision Reference DRN-3924326
25 Jan 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3924326 The complaint Mr S complains that Creation Financial Services Limited mishandled his request to access his personal data which it held in respect of a credit agreement. What happened Mr S held a credit card account with Creation and had done so for around four years. This credi... (3 pages)View decision -
Decision Reference DRN-3897714
25 Jan 2023 Advantage Insurance Company Limited UpheldInsuranceDRN-3897714 The complaint Mr K complains that Advantage Insurance Company Limited (Advantage) declined his claim for the theft of his car under his motor insurance policy. What happened Mr K’s car was stolen shortly after a prospective buyer had viewed it. This happened in September 2021. ... (4 pages)View decision
