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
-
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 -
Decision Reference DRN-3856446
19 Dec 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3856446 The complaint Mr S has complained that Lloyds Bank PLC (“Lloyds”) mis-sold him a number of fee-paying packaged bank accounts. Mr S has given a number of reasons why he says they were mis-sold. Including that he was told that by having the account, Lloyds would look favourably u... (3 pages)View decision -
Decision Reference DRN-3866816
19 Dec 2022 Legal and General Assurance Society Limited UpheldInvestmentsDRN-3866816 The complaint Mr T complains that Legal and General Assurance Society Limited (‘L&G’) took an unreasonable amount of time to remove the joint policyholder from his protection policy. He feels the £300 that L&G has offered to resolve the matter is derisory and does not a... (4 pages)View decision -
Decision Reference DRN-3666555
19 Dec 2022 Vitality Health Limited UpheldInsuranceDRN-3666555 The complaint Mr W has complained about the service he received from Vitality Health Limited when submitting a claim. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. I’ve focused on what I find are the key issues – ... (2 pages)View decision
