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-3752746
4 Nov 2022 Portal Financial Services LLP UpheldPensions and AnnuitiesDRN-3752746 The complaint Mr W complains about the advice he received from Portal Financial Services LLP (‘Portal’) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme (‘OPS’) to a personal pension plan (‘PPP’). He says the advice was unsuitable for him and... (9 pages)View decision -
Decision Reference DRN-3739490
4 Nov 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3739490 Complaint Mr J has complained about personal loans Everyday Lending Limited (trading as “Everyday Loans”) provided to him. He says the loan was unaffordable. Background Everyday Loans provided Mr J with a loan for £2,501.00 in December 2019. This loan had an APR of 153.9% and a... (2 pages)View decision -
Decision Reference DRN-3787501
3 Nov 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3787501 The complaint Miss Y is unhappy that Lloyds Bank PLC won’t refund all the money she’s lost to a fraudster. What’s happened? Miss Y has fallen victim to a cryptocurrency investment scam. She reacted to an advert on a popular social media platform showing television presenters fr... (7 pages)View decision -
Decision Reference DRN-3782010
3 Nov 2022 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-3782010 The complaint Mrs B complains that Clydesdale Bank Plc (trading as Yorkshire Bank) irresponsibly lent to her on a credit card, many loans, and an overdraft. What happened In 1999 Mrs B opened a credit card account with Yorkshire Bank, with an initial limit of £900 (going by the... (4 pages)View decision -
Decision Reference DRN-3742354
3 Nov 2022 U K Insurance Limited UpheldInsuranceDRN-3742354 The complaint Mrs M has complained that UK Insurance Limited (‘UKI’) caused further damage in resolving a leak at the property under her home emergency policy. For the avoidance of doubt, ‘UKI’ includes reference to its representatives, contractors and agents in this decision l... (3 pages)View decision -
Decision Reference DRN-3690804
3 Nov 2022 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-3690804 The complaint Mr S is unhappy that BMW Financial Services (GB) Limited gave him incorrect information relating to his agreement. What happened In February 2018, Mr S was supplied with a new car through a hire purchase agreement with BMW. He paid an advance payment of £1,000 and... (4 pages)View decision -
Decision Reference DRN-3590834
3 Nov 2022 Olton Alexander Ltd UpheldClaims ManagementDRN-3590834 The complaint Mrs H and Mrs S have complained that Olton Alexander Ltd (“OA”) took payment for initiating three claims relating to timeshares they’d bought – but have only progressed one of the three. What happened Mrs H and Mrs S instructed OA in early 2017 to assist them in t... (3 pages)View decision -
Decision Reference DRN-3779283
3 Nov 2022 Pareto Financial Planning Limited UpheldPensions and AnnuitiesDRN-3779283 The complaint Mr M complains about the advice given by Pareto Financial Planning Limited (Pareto) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a personal pension. He says the advice was unsuitable for him and believes this has caused a... (11 pages)View decision -
Decision Reference DRN-3761235
3 Nov 2022 QIC Europe Ltd UpheldInsuranceDRN-3761235 The complaint Mr and Mrs D complain that QIC Europe Limited (QIC) declined their claim for storm damage under their home insurance. The policy was in joint names but, for ease of reading and because she brought the complaint, I’ll refer only to Mrs D throughout my decision. Wha... (3 pages)View decision -
Decision Reference DRN-3787914
3 Nov 2022 HSBC Life (UK) Limited UpheldInvestmentsDRN-3787914 The complaint Mrs L is complaining about the way HSBC Life (UK) Limited handled her data subject access request (DSAR). What happened In early July 2021, Mrs L asked HSBC Life to send her all the documents they held in relation to her and her husband. HSBC Life sent a bundle of... (2 pages)View decision
