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 121479 results
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Decision Reference DRN-3845250
20 Dec 2022 Covea Insurance plc UpheldInsuranceThe complaint In summary, Mr F complains that Covea Insurance Plc his car insurance provider, disposed of his car after it was stolen and recovered. What happened In December 2021 Covea wrote to Mr F explaining that it was declining his insurance claim. In January 2022, Mr F complained abo... (4 pages)View decision -
Decision Reference DRN-3813028
20 Dec 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3813028 The complaint Mr B complains that Barclays Bank UK PLC (“Barclays”) closed his account without notice following it requesting KYC information around his business. What happened Mr B had a business account with Barclays. As part of its regulatory obligations Barclays sent a lett... (3 pages)View decision -
Decision Reference DRN-3557963
20 Dec 2022 Accredited Insurance (Europe) Ltd UpheldInsuranceDRN-3557963 The complaint Mr W has complained about his home insurer, Accredited Insurance (Europe) Ltd (AIE), regarding a claim he made when his house was flooded. What happened Mr W’s home was flooded on 31 October 2021. The family lived in the damaged property – with downstairs soaked a... (2 pages)View decision -
Decision Reference DRN-3684248
20 Dec 2022 ReAssure Limited UpheldInvestmentsDRN-3684248 The complaint Mr B complains that ReAssure Limited delayed surrendering his life policy. He’s said this led to him paying excess premiums. What happened Mr B had a life and critical illness policy with ReAssure. In November 2020, Mr B called ReAssure and asked to surrender the ... (3 pages)View decision -
Decision Reference DRN-3084404
20 Dec 2022 Capital Professional Limited UpheldInvestmentsDRN-3084404 The complaint Mr and Mrs H complain about the advice they received from Capital Professional Limited, trading as Ascot Lloyd, referred to as “the business”. In short, they say the business gave unsuitable advice to remain invested in the Woodford Equity Income Fund – referred t... (7 pages)View decision -
Decision Reference DRN-3867052
20 Dec 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3867052 The complaint Mr D complains Lloyds Bank PLC increased his credit card limit even though he had a gambling problem. What happened Mr D held a credit card with Lloyds, which had a £6,750 credit limit. The limit was increased to £7,750 in November 2015, then to £8,250 in August 2... (3 pages)View decision -
Decision Reference DRN-3559778
20 Dec 2022 Barclays Bank UK PLC UpheldMortgagesDRN-3559778 The complaint Mr M has complained that, without his knowledge or consent, Barclays Bank UK PLC allowed his ex-wife to increase the Mortgage Current Account (MCA) reserve. To settle the complaint Mr M wants Barclays to acknowledge that he is not responsible for the debt incurred... (3 pages)View decision -
Decision Reference DRN-3841193
20 Dec 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3841193 Complaint Ms L has complained about a loan Everyday Lending Limited (trading as “Everyday Loans”) provided to her. She says the loan was unaffordable. Background Everyday Loans provided Ms L with a loan for £2,000.00 in July 2017. This loan had an APR of 106.8% and a term of 24... (3 pages)View decision -
Decision Reference DRN-3740345
19 Dec 2022 ReAssure Limited UpheldInvestmentsDRN-3740345 The complaint Mr H complains that ReAssure Limited has misled him in respect of his Select Investment Policy. Specifically, he says it did not make him aware after the ten-year investment period ended that he could have extended it for a further ten years. Additionally, Mr H sa... (4 pages)View decision -
Decision Reference DRN-3853341
19 Dec 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3853341 The complaint Mr M complains that HSBC UK Bank Plc (HSBC) closed his account and registered a default on his credit file. What happened Mr M had four personal accounts with HSBC – three savings accounts and a current account. On 16 November 2021, HSBC wrote to Mr M to say they ... (3 pages)View decision
