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
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Decision Reference DRN-3861875
19 Dec 2022 Barclays Bank UK PLC UpheldMortgagesDRN-3861875 The complaint Mr H complains that Barclays Bank UK PLC hadn’t updated the charge for his buy to let mortgage on his deeds, when that mortgage transferred from another lender. And when he alerted it to the problem, it repeatedly failed to put things right. What happened Mr H own... (5 pages)View decision -
Decision Reference DRN-3865831
19 Dec 2022 Niche Independent Financial Advisers Limited UpheldPensions and AnnuitiesDRN-3865831 The complaint Mr R complained that he was given unsuitable advice to transfer his defined benefit (DB) British Steel Pension Scheme (BSPS), to a personal pension plan. Niche Independent Financial Advisers Limited is responsible for answering this complaint and so to keep things... (10 pages)View decision -
Decision Reference DRN-3533934
19 Dec 2022 Curtis Banks Limited UpheldPensions and AnnuitiesDRN-3533934 The complaint Mr H holds a Curtis Banks Limited (‘CBL’) Self-Invested Personal Pension (‘SIPP’); he self manages the SIPP’s investments and they are held with a third-party firm; he disputes CBL’s instruction (in August 2021) to the third-party to release and remit funds from s... (5 pages)View decision -
Decision Reference DRN-3849527
19 Dec 2022 Barclays Bank UK PLC UpheldMortgagesDRN-3849527 The complaint Mr and Mrs H complain that Barclays Bank UK PLC applied an early repayment charge (ERC) when they redeemed their mortgage. They say that Barclays should have allowed them to transfer a smaller portion of their mortgage to another property which would have meant th... (6 pages)View decision -
Decision Reference DRN-3786756
19 Dec 2022 Society of Lloyd's UpheldInsuranceDRN-3786756 The complaint Mr B is unhappy that Society of Lloyd’s has increased the cost of his income protection policy. What happened Mr B has had a ‘Homeowner’ income protection policy with SOL since 2016. When Mr B took out the policy, his premium was £58.67 per month. The cost of the ... (6 pages)View decision -
Decision Reference DRN-3862795
19 Dec 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3862795 The complaint Ms J complains through her representative of irresponsible lending by Everyday Lending Limited trading as Everyday Loans. What happened Everyday provided Mrs J with the following loans: Date of loan Amount Term Monthly instalment When repaid Loan 1 11/04/2018 £3,0... (4 pages)View decision -
Decision Reference DRN-3859427
19 Dec 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3859427 The complaint Mr W is unhappy that Madison CF UK Limited, trading as 118 118 Money, didn’t accept he’d been the victim of a scam and that he’d applied for a loan with them as a result of that scam. Mr W is also unhappy that 118 118 continue to hold him liable for the loan insta... (4 pages)View decision -
Decision Reference DRN-3626742
19 Dec 2022 KBFS Financial Limited UpheldPensions and AnnuitiesDRN-3626742 The complaint Mr T complains about the advice given by KBFS Financial Limited to transfer the benefits he held in the British Steel Pension Scheme (‘BSPS’) to a personal pension. The BSPS was a defined benefit (‘DB’) occupational pension scheme. He says the advice was unsuitabl... (15 pages)View decision -
Decision Reference DRN-3856171
19 Dec 2022 QIC Europe Ltd UpheldInsuranceDRN-3856171 The complaint Mr P and Mr S have complained that QIC Europe Ltd (QIC) unfairly declined a claim for storm damage under their home insurance policy. What happened Mr P and Mr S contacted QIC when they found storm damage to their roof and fence. QIC sent a surveyor to assess the ... (4 pages)View decision -
Decision Reference DRN-3848557
19 Dec 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3848557 The complaint Mrs R complains that Lloyds Bank PLC made an error which changed the name on her personal accounts she held with them, to her husband’s name. What happened Mrs R has a current account, savings account and credit card in her name with Lloyds. She took out a home in... (3 pages)View decision
