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 121262 results
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Decision Reference DRN-3806705
21 Nov 2022 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-3806705 The complaint Mr J complains Admiral Insurance (Gibraltar) Limited unfairly refused a claim and cancelled his home insurance policy. What happened In February 2021 Mr J made a claim on his Admiral home insurance policy for two lost rings. He reported that his wife, Mrs J, lost ... (2 pages)View decision -
Decision Reference DRN-3807201
21 Nov 2022 Hiscox Underwriting Limited UpheldInsuranceDRN-3807201 The complaint Mr and Mrs M complain that Hiscox Underwriting Limited (Hiscox) unfairly increased premiums over successive years. As well as recording an open claim with inaccurate costings under their home building insurance policy. I will refer to Mrs M in my decision as the l... (7 pages)View decision -
Decision Reference DRN-3313406
21 Nov 2022 Pi Financial Ltd UpheldPensions and AnnuitiesDRN-3313406 The complaint Mr C complains that he was given unsuitable advice by M&S Financial Solutions to switch his Self-Invested Personal Pension (‘SIPP’) and invest his funds through an investment manager firm (‘IM’). M&S Financial Solutions was an appointed representative of P... (7 pages)View decision -
Decision Reference DRN-3817706
21 Nov 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3817706 The complaint Mr M complains that Lloyds Bank PLC closed his bank account without providing an explanation. He’d like to understand their reasons and receive compensation. What happened Mr M had a personal account with Lloyds. On 22 April 2021 Lloyds issued Mr M with a 65 day n... (2 pages)View decision -
Decision Reference DRN-3613273
21 Nov 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3613273 The complaint Ms H, through her representative, complains that Everyday Lending Limited trading as Everyday Loans, lent to her without carrying out the proper checks and lent to her irresponsibly. What happened Using information from the Everyday Lending records, here is a brie... (4 pages)View decision -
Decision Reference DRN-3673372
21 Nov 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3673372 The complaint Mr U complains that HSBC UK Bank Plc (‘HSBC’) won’t reimburse funds he lost after he fell victim to a scam. What happened In June 2021, Mr U met someone online on a social media dating platform (for ease I’ll refer to as A). They then began speaking via an instant... (6 pages)View decision -
Decision Reference DRN-3812359
21 Nov 2022 TSB Bank plc UpheldMortgagesDRN-3812359 The complaint Mr A complains that TSB Bank plc put a marker against his name on a fraud prevention database in connection with a mortgage application. What happened Mr A made a mortgage application to TSB. TSB declined the application and, unknown to Mr A, also recorded it on a... (5 pages)View decision -
Decision Reference DRN-3735803
21 Nov 2022 CIGNA Europe Insurance Company SA-NV UpheldInsuranceDRN-3735803 The complaint Mrs A complains about the service received from CIGNA Europe Insurance Company SA- NV when she was admitted to hospital for urgent treatment. What happened Mrs A’s complaint is brought on her behalf by her husband. But for ease, I will refer to all representations... (4 pages)View decision -
Decision Reference DRN-3791071
21 Nov 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3791071 The complaint Mr M complains through his representative that Everyday Lending Limited trading as Everyday Loans irresponsibly provided him with high cost loans he couldn’t afford to repay. What happened Everyday provided Mr M with the following loans Date of loan Amount Term Mo... (4 pages)View decision -
Decision Reference DRN-3661849
21 Nov 2022 Personal Touch Financial Services Ltd UpheldInvestmentsDRN-3661849 The complaint Mr and Mrs C are complaining about Personal Touch Financial Services Ltd (Personal Touch) because they say they received advice from one of its appointed representatives (AR) – Financial Services Scotland (FSS) - to invest in an unregulated investment in StoreFirs... (13 pages)View decision
