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
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Decision Reference DRN-4304568
23 Aug 2023 Euroins AD UpheldInsuranceDRN-4304568 The complaint Mr H is unhappy that Euroins AD (Euroins) declined his travel insurance claim. Any reference to Euroins includes all its agents. What happened Mr H took out a single trip ‘Super Plus’ travel insurance policy. Euroins is the underwriter. The policy started on 9 Jul... (2 pages)View decision -
Decision Reference DRN-3479797
23 Aug 2023 True Potential Wealth Management LLP UpheldPensions and AnnuitiesDRN-3479797 The complaint Mr M complains about the advice True Potential Wealth Management LLP gave to him to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a self- invested personal pension (‘SIPP’). He says the advice was unsuitable for him and belie... (12 pages)View decision -
Decision Reference DRN-4249973
23 Aug 2023 U K Insurance Limited UpheldInsuranceDRN-4249973 The complaint Mr B and Mrs B complain that UK Insurance Limited (UKI) has unfairly rejected a claim made under their Travel Insurance policy. For ease of reading, I will only refer to Mr B in my decision. What happened Mr B had planned a short break to Europe for around five da... (3 pages)View decision -
Decision Reference DRN-4199489
23 Aug 2023 Advantage Insurance Company Limited UpheldInsuranceDRN-4199489 The complaint Mr D has complained about the way Advantage Insurance Company Limited handled things when he notified it of an incident where no party wished to claim. All reference to the insurer Advantage in my decision includes its agents. What happened In October 2022 Mr D ha... (3 pages)View decision -
Decision Reference DRN-4310821
23 Aug 2023 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-4310821 The complaint Mr and Mrs S complain about the way Royal & Sun Alliance Insurance Limited (RSA) has handled a claim under their home insurance policy. Mr and Mrs S are being represented on this complaint. For ease of reading, I’m going to refer to Mr S throughout my decision... (4 pages)View decision -
Decision Reference DRN-4314614
23 Aug 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4314614 Complaint Miss R has complained about personal loans Everyday Lending Limited (trading as “Everyday Loans”) provided to her. She says the loans were unaffordable and were therefore irresponsibly lent to her. Background Everyday Loans provided Miss R with an initial loan for £1,... (3 pages)View decision -
Decision Reference DRN-4224170
23 Aug 2023 esure Insurance Limited UpheldInsuranceDRN-4224170 The complaint Miss S complained about the way esure Insurance Limited trading as Sheilas’ Wheels dealt with a claim she made under her car insurance policy. What happened Miss S bought a car insurance policy with esure in September 2022. Six weeks later, in October 2022, she wa... (3 pages)View decision -
Decision Reference DRN-4315277
23 Aug 2023 QIC Europe Ltd UpheldInsuranceDRN-4315277 The complaint Ms S complains about the standard of repairs arranged by QIC Europe Ltd (QIC) following a claim she made for an escape of oil, under her home buildings insurance policy. What happened In June 2022 there was a leak of oil originating from Ms S’s boiler. This was fi... (5 pages)View decision -
Decision Reference DRN-4310320
23 Aug 2023 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4310320 The complaint Miss O says that Bank of Scotland plc, trading as Halifax, increased her overdraft and charged her excessive amounts for it when she was not financially stable. What happened Miss O complained to Halifax that it should not have increased her overdraft in July 2018... (3 pages)View decision -
Decision Reference DRN-4266408
23 Aug 2023 Quilter Life & Pensions Limited UpheldPensions and AnnuitiesDRN-4266408 The complaint Mr C complains that Quilter Life and Pensions Limited (Quilter) delayed the transfer of the cash part of his pension funds to his new pension provider (provider V), causing him financial detriment. He feels that Quilter’s practice of not transferring cash until al... (8 pages)View decision