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 120936 results
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Decision Reference DRN-3780490
31 Oct 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3780490 The complaint Mr H complains through his representative that Everyday Lending Limited trading as Everyday Loans irresponsibly lent him money on high cost loans he couldn’t afford to repay. What happened Everyday provided Mr H with the following loans: *rounded up or down He rep... (4 pages)View decision -
Decision Reference DRN-3728978
31 Oct 2022 Ageas Insurance Limited UpheldInsuranceDRN-3728978 The complaint Mr G complains Ageas Insurance Limited unfairly declined his buildings insurance claim. All references to Ageas also include its appointed agents. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instea... (2 pages)View decision -
Decision Reference DRN-3780732
31 Oct 2022 AXA Insurance UK Plc UpheldInsuranceDRN-3780732 The complaint Mr and Mrs O complain that AXA Insurance UK Plc unfairly declined part of their claim under their home insurance policy for damage from an escape of water. What happened I set out the background to the complaint within my provisional decision and also here. ‘Mr an... (7 pages)View decision -
Decision Reference DRN-3780787
31 Oct 2022 AA Underwriting Insurance Company Limited UpheldInsuranceDRN-3780787 The complaint Mr B complains AA Underwriting Insurance Company Limited (AA Underwriting) failed to provide him with the use of a courtesy car after he made a claim on his motor insurance policy. There are several parties and representatives of AA Underwriting involved throughou... (3 pages)View decision -
Decision Reference DRN-3780221
31 Oct 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3780221 The complaint Mr B is unhappy that HSBC UK Bank Plc told him that he had an active credit account when in fact that wasn’t the case. What happened Mr B contacted HSBC and asked them whether the credit account which was showing in his list of accounts online with a credit limit ... (4 pages)View decision -
Decision Reference DRN-3759788
31 Oct 2022 MBNA Limited UpheldBanking and PaymentsDRN-3759788 The complaint Mr W has complained that MBNA Limited was irresponsible when it increased the limit on his credit card in 2016. What happened MBNA opened a credit card account for Mr W in 2004. This type of credit was an open-ended or running account facility. MBNA offered Mr W a... (6 pages)View decision -
Decision Reference DRN-3777708
31 Oct 2022 U K Insurance Limited UpheldInsuranceDRN-3777708 The complaint Mr V is unhappy with U K Insurance Limited (“UKI”)’s handling of an escape of water claim made under his home insurance policy. All references to UKI include its appointed agents. What happened Both parties have provided me with a detailed timeline of events. And ... (6 pages)View decision -
Decision Reference DRN-3590488
31 Oct 2022 Digital Moneybox Limited UpheldInvestmentsDRN-3590488 The complaint Mrs M complains that Digital Moneybox Limited trading as Moneybox (‘DML’) delayed the sale of her shares and because of this she has lost out financially. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here... (2 pages)View decision -
Decision Reference DRN-3753383
31 Oct 2022 QIC Europe Ltd UpheldInsuranceDRN-3753383 The complaint Mr H has complained that QIC Europe Ltd (QIC) unfairly declined a claim for storm damage under a home insurance policy. What happened Mr H found a range of damage to his home following a storm. So, he contacted QIC to make a claim. QIC sent a surveyor who assessed... (3 pages)View decision -
Decision Reference DRN-3724394
31 Oct 2022 West Bay Insurance Plc UpheldInsuranceDRN-3724394 The complaint Ms R complains about how West Bay Insurance Plc handled and decided a claim made on her motor insurance policy. What happened Ms R said her car overheated after going over uneven ground. She took it to a garage where she said water was added to the engine causing ... (3 pages)View decision
