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 128535 results
-
Decision Reference DRN-4329843
1 Sep 2023 American Express Services Europe Limited (AESEL) UpheldBanking and PaymentsDRN-4329843 The complaint Mr H is unhappy with how American Express Services Europe Limited (AESEL) handled a claim he made to it. What happened Mr H bought two flight tickets from an airline using his AESEL credit card. He says the following day he called who he thought was the airline to... (5 pages)View decision -
Decision Reference DRN-4329969
1 Sep 2023 West Bay Insurance Plc UpheldInsuranceDRN-4329969 The complaint Mr C has complained about his car insurer West Bay Insurance Plc as he feels the total settlement it paid him after his car was damaged beyond repair in an accident, is too low. What happened Mr C’s car was damaged in an accident in August 2022. His car is electri... (4 pages)View decision -
Decision Reference DRN-4296603
1 Sep 2023 Liverpool Victoria Insurance Company Limited UpheldInsuranceDRN-4296603 The complaint Mr S complains about Liverpool Victoria Insurance Company Limited’s handling of a claim on his car insurance policy. What happened The background to this complaint is well known to both parties, so I’ll provide only a brief summary here. Mr S has car insurance und... (4 pages)View decision -
Decision Reference DRN-4089135
1 Sep 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4089135 The complaint Mr S complains that Options UK Personal Pensions LLP (formerly Carey Pensions) (‘Options’) shouldn’t have accepted a transfer of his occupational pension schemes into a self-invested personal pension (‘SIPP’). What happened In mid-2012, Mr S was approached by a re... (43 pages)View decision -
Decision Reference DRN-4329862
1 Sep 2023 Amtrust Europe Limited UpheldInsuranceDRN-4329862 The complaint Miss C has complained about her furniture warranty provider Amtrust Europe Limited regarding a claim she made for accidental staining and damage. Amtrust is the insurer. But the policy is marketed and sold under a different name. Amtrust is responsible for claim o... (3 pages)View decision -
Decision Reference DRN-4226017
1 Sep 2023 Morses Club PLC UpheldConsumer CreditDRN-4226017 The complaint Miss C complains that Morses Club PLC lent to her irresponsibly and without carrying out proper affordability checks. What happened Between April 2016 and October 2017 Morses Club approved five loans for Miss C. However, the dispute about the first four loans has ... (3 pages)View decision -
Decision Reference DRN-4293724
1 Sep 2023 U K Insurance Limited UpheldInsuranceDRN-4293724 The complaint Ms G complains about how U K Insurance Limited trading as Privilege (“UKI”) handled her claim on her home insurance policy following a fire at her property. What happened Ms G had home insurance that was underwritten by UKI. In March 2022 there was a fire at her p... (3 pages)View decision -
Decision Reference DRN-4311124
1 Sep 2023 Bank of Scotland Plc UpheldMortgagesDRN-4311124 The complaint Mr S complains that Bank of Scotland plc trading as Birmingham Midshires (BM) didn’t collect payments on his buy to let mortgages, leading to them going into arrears. What happened Mr S has several buy to let mortgages with BM, and has done for many years. In 2022... (5 pages)View decision -
Decision Reference DRN-4293103
1 Sep 2023 U K Insurance Limited UpheldInsuranceDRN-4293103 The complaint Mrs L complains about U K Insurance Limited (“Direct Line”) for declining cover for her pet dog’s health condition. She wants Direct Line to accept the claim and reimburse the vet fees she has had to pay. What happened Mrs L owned a pet springer spaniel (“A”) from... (4 pages)View decision -
Decision Reference DRN-4120907
1 Sep 2023 Blue Motor Finance Ltd UpheldConsumer CreditDRN-4120907 The complaint Mr S complains about the quality of car supplied to him under a hire purchase agreement (“agreement”) with Blue Motor Finance Ltd (“BMF”). What happened In July 2022 Mr S was supplied with a used car costing £8,795 under an agreement with BMF. The car was acquired... (3 pages)View decision