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 125400 results
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Decision Reference DRN-4036502
21 Mar 2023 The National Farmers' Union Mutual Insurance Society Limited UpheldInsuranceDRN-4036502 The complaint Mr and Mrs M are unhappy with how The National Farmers’ Union Mutual Insurance Society Limited (NFU) handled a claim they made under their home insurance policy. Mr and Mrs M had an appointed representative dealing with the claim on their behalf. References to Mr ... (8 pages)View decision -
Decision Reference DRN-4036360
21 Mar 2023 AWP P&C SA UpheldInsuranceDRN-4036360 The complaint Mr and Mrs N are unhappy that AWP P&C SA (AWP) has caused delays in assessing their travel insurance claim. Any references to AWP include all its representatives and agents. What happened Mr and Mrs N took out a single trip travel insurance and the policy was... (3 pages)View decision -
Decision Reference DRN-4026247
21 Mar 2023 Evergreen Finance London Limited UpheldConsumer CreditDRN-4026247 The complaint Mr H complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (MoneyBoat) didn’t carry out proportionate and relevant affordability checks before it lent to him. What happened Mr H was advanced two instalment loans by MoneyBoat, and a summary of ... (4 pages)View decision -
Decision Reference DRN-3795034
21 Mar 2023 Gallium Fund Solutions Limited UpheldInvestmentsDRN-3795034 The complaint Mr P’s complaint concerns his investment in a bond that he feels was mis-sold to him by Basset Gold Limited (“BG Ltd”), an appointed representative of Gallium Fund Solutions Limited (“Gallium”). Mr P says, in brief, that he was persuaded to invest by misleading in... (5 pages)View decision -
Decision Reference DRN-4011399
21 Mar 2023 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4011399 The complaint Miss P says Bank of Scotland plc, trading as Halifax, irresponsibly lent to her. What happened Miss P applied online for a credit card from Halifax on 27 December 2017. She was given a credit limit of £900. The account defaulted in October 2022 with a balance of £... (2 pages)View decision -
Decision Reference DRN-4036266
21 Mar 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4036266 The complaint Mrs R is unhappy that HSBC UK Bank Plc has only refunded some of the money she lost to a scam. What happened The circumstances that led to this complaint are well known to both parties, so I won’t repeat them in detail here. But, in summary: In February 2022 Mrs ... (4 pages)View decision -
Decision Reference DRN-4036261
21 Mar 2023 Tavistock Partners Limited UpheldPensions and AnnuitiesDRN-4036261 The complaint Mr S complains that he was given advice by an Appointed Representative of the Tavistock Partners Limited to transfer his two Aegon Personal Pensions (PP) into a Self-Invested Personal Pension (SIPP) plan. Mr S believes the advice was unsuitable due to the nature o... (11 pages)View decision -
Decision Reference DRN-3783937
20 Mar 2023 Scottish Widows Limited UpheldPensions and AnnuitiesDRN-3783937 The complaint Miss R complains that Scottish Widows Limited (“Scottish Widows”) made an error when it partially transferred the value of her personal pension plan (“PPP”) to another pension provider. She says that following the partial transfer, the residual fund value remainin... (3 pages)View decision -
Decision Reference DRN-3995116
20 Mar 2023 MBNA Limited UpheldBanking and PaymentsDRN-3995116 The complaint Mr O complains that MBNA lent to him irresponsibly. What happened Mr O’s complaint is about two credit card accounts with MBNA. The first account was opened on 9 November 2006 with a credit limit of £10,000. The credit limit was increased to £16,100 and later decr... (3 pages)View decision -
Decision Reference DRN-4036036
20 Mar 2023 Assicurazioni Generali SpA UpheldInsuranceDRN-4036036 The complaint Mr B has complained that Assicurazioni Generali SpA (Generali) declined an income protection claim made under his group income protection policy. What happened In summary Mr B’s policy will pay incapacity benefit after a waiting period of 28 weeks if the following... (3 pages)View decision
