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-3881524
22 May 2023 esure Insurance Limited UpheldInsuranceDRN-3881524 The complaint Mrs H complains about the information given by esure Insurance Limited when she called to claim on her motor insurance policy. What happened Mrs H’s car was hit by a van so she called esure to claim on her policy. esure accepted the claim and dealt with it under t... (3 pages)View decision -
Decision Reference DRN-3610782
22 May 2023 The National Farmers' Union Mutual Insurance Society Limited UpheldInsuranceDRN-3610782 The complaint Mr D, trading as L, complains about the decision of The National Farmers' Union Mutual Insurance Society Limited in relation to his claim for business interruption losses resulting from the COVID-19 pandemic. What happened The following is intended only as a ... (7 pages)View decision -
Decision Reference DRN-4024287
22 May 2023 Niche Independent Financial Advisers Limited UpheldPensions and AnnuitiesDRN-4024287 The complaint Mr H complains about the advice given by Niche Independent Financial Advisers Limited (‘Niche’) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a personal pension arrangement. He says the advice was unsuitable for him and be... (7 pages)View decision -
Decision Reference DRN-3451065
22 May 2023 EGR WEALTH LIMITED UpheldInvestmentsDRN-3451065 The complaint Mrs Z invested around £98,000 in two fixed monthly income bonds with EGR Wealth Limited (“EGR”). She says the bonds were mis-sold by EGR, previously known as EGR Broking, and that she was misled into thinking they were safe. Her complaint has been brought by a rep... (6 pages)View decision -
Decision Reference DRN-4142745
22 May 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4142745 Complaint Mr P has complained about personal loans Everyday Lending Limited (trading as “Everyday Loans”) provided to him. He says the loans were irresponsibly lent to him. Background Everyday Loans initially provided Mr P with a first loan for £1,500.00 in August 2016. The tot... (3 pages)View decision -
Decision Reference DRN-4137348
22 May 2023 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4137348 Complaint Miss L has complained that Bank of Scotland Plc (trading as “Halifax”) irresponsibly provided her with an overdraft and then unfairly continued applying charges to it. Background One of our adjudicators looked at this complaint and thought Halifax should have realised... (2 pages)View decision -
Decision Reference DRN-4144476
21 May 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4144476 The complaint Mr D complains about National Westminster Bank Plc closing his son’s (Mr D) bank account after he deposited an inheritance cheque. What happened I issued my provisional decision on 8 March 2023, and this is what I said: I’ve considered the relevant information abo... (3 pages)View decision -
Decision Reference DRN-3987001
20 May 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3987001 The complaint Mr P complains that HSBC UK Bank Plc unfairly registered a default on his credit file. What happened Mr P says he owed HSBC a debt of about £8,000 and spoke to it in around May 2022 about the debt. He says he spoke to HSBC again but was told it would not agree to ... (2 pages)View decision -
Decision Reference DRN-4143467
19 May 2023 Volkswagen Financial Services (UK) Limited UpheldConsumer CreditDRN-4143467 The complaint Mr S complains about the way Volkswagen Financial Services (UK) Limited trading as Seat Financial Services (“VWFS”) took back his car after his hire agreement ended. What happened In March 2019 Mr S entered into a two-year contract hire agreement for a new car. Th... (5 pages)View decision -
Decision Reference DRN-3996553
19 May 2023 Revolut Ltd UpheldBanking and PaymentsDRN-3996553 Complaint Mrs S is unhappy that Revolut Ltd didn’t reimburse her after she fell victim to a scam. Background In May 2022, Mrs S fell victim to a scam. She received a phone call from someone who claimed to work for HM Courts & Tribunals Service. Unfortunately, that individua... (3 pages)View decision
