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 128312 results
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Decision Reference DRN-4146892
20 Jul 2023 Volkswagen Financial Services (UK) Limited UpheldConsumer CreditDRN-4146892 The complaint Mr C believes Volkswagen Financial Services (UK) Limited trading as Audi Financial Services (‘VWFS’) acted irresponsibly by approving a hire purchase agreement he’d applied for. Mr C is being represented in this complaint by Ms K. However, for ease of reference, I... (5 pages)View decision -
Decision Reference DRN-4234218
20 Jul 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4234218 The complaint Mr R complains about the way Tesco Personal Finance PLC handled his request for money back in respect of an annual golf membership he paid for using his Tesco credit card. What happened In July 2021 Mr R renewed an annual membership at a golf club I’ll call C. He ... (4 pages)View decision -
Decision Reference DRN-4252577
20 Jul 2023 Aviva Insurance Limited UpheldInsuranceDRN-4252577 The complaint Mr F and Miss S are unhappy with the amount Aviva Insurance Limited (Aviva) offered to settle their claim following an escape of water. Mr F and Miss S jointly held buildings and contents insurance underwritten by Aviva. For ease of reading, I’ll refer only to Mr ... (4 pages)View decision -
Decision Reference DRN-4246037
20 Jul 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4246037 Complaint Mr C has complained about a personal loan Everyday Lending Limited (trading as “Everyday Loans”) provided to him. He says the loan was unaffordable and was therefore irresponsibly lent to him. Background Everyday Loans provided Mr C with a loan for £5,000.00 in Novemb... (3 pages)View decision -
Decision Reference DRN-4256993
20 Jul 2023 Liverpool Victoria Insurance Company Limited UpheldInsuranceDRN-4256993 The complaint Mr N is unhappy that Liverpool Victoria Insurance Company Limited (LVI) declined his claim for loss and accidental damage of personal possessions under his home insurance policy. What happened Briefly, Mr N’s contents insurance policy provided cover for loss or ac... (5 pages)View decision -
Decision Reference DRN-4067579
20 Jul 2023 Motability Operations Limited UpheldConsumer CreditDRN-4067579 The complaint Mr B complains that Motability Operations Limited mishandled an insurance claim when the car he had hired from it was stolen. Mr D says this has caused him significant distress, inconvenience and financial loss. What happened Due to health conditions Mr B was enti... (4 pages)View decision -
Decision Reference DRN-4035717
20 Jul 2023 Inter-UK Financial Services Limited UpheldPensions and AnnuitiesDRN-4035717 The complaint Ms L complains that she was advised by Inter-UK Financial Services Limited (“IUK” or “Inter- UK”) to switch her two existing personal pensions (PPs) to a Self-Invested Personal Pension (SIPP). The recommended portfolio held some investments that either failed or b... (7 pages)View decision -
Decision Reference DRN-4255498
20 Jul 2023 AWP P&C SA UpheldInsuranceDRN-4255498 The complaint Mr F and Mr R are unhappy with the way in which their claim has been handled by AWP P&C SA after making a claim on their travel insurance policy (‘the policy’). What happened The details of this complaint are well known to both parties, so I won’t repeat them ... (2 pages)View decision -
Decision Reference DRN-4234431
20 Jul 2023 Tesco Underwriting Limited UpheldInsuranceDRN-4234431 The complaint Mrs W complains about how her insurer, Tesco Underwriting Limited (Tesco), handled a claim under her motor insurance policy following an accident involving her vehicle. Any reference to Tesco in this decision includes their agents. What happened In May 2022 Mrs W’... (5 pages)View decision -
Decision Reference DRN-4222469
20 Jul 2023 Profile Financial Solutions Limited UpheldPensions and AnnuitiesDRN-4222469 The complaint Miss T complains that Profile Financial Solutions Limited trading as Profile Pensions (Profile) gave her unsuitable advice to transfer her two Personal Pension (PP) plans held with a provider I’ll refer to as provider R, to a Self-Invested Personal Pension (SIPP) ... (11 pages)View decision