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-3946688
7 Mar 2023 Capital One (Europe) plc UpheldBanking and PaymentsDRN-3946688 The complaint Mr C complains Capital One (Europe) plc (“Capital One”) has declined a claim he brought under section 75 of the Consumer Credit Act 1974 (“CCA”). What happened Mr C paid a car dealership I’ll call “S” £585 on his Capital One credit card as a part payment towards a... (4 pages)View decision -
Decision Reference DRN-3964945
7 Mar 2023 British Gas Insurance Limited UpheldInsuranceDRN-3964945 The complaint Mr R complains that British Gas Insurance Limited won’t pay to replace a bathroom sink damaged by their contractor when he attended to fix the plug. What happened Mr R has an insurance policy with British Gas which covers his boiler, central heating and plumbing, ... (3 pages)View decision -
Decision Reference DRN-3786485
7 Mar 2023 Liverpool Victoria Insurance Company Limited UpheldInsuranceDRN-3786485 The complaint Mr M has complained about Liverpool Victoria Insurance Company Limited (LV). He isn’t happy about the way it dealt with a claim under his buildings insurance policy. For ease of reading any reference to LV includes the actions of its agents which it is responsible... (2 pages)View decision -
Decision Reference DRN-4005279
7 Mar 2023 Gallium Fund Solutions Limited UpheldInvestmentsDRN-4005279 The complaint Mr S has complained that two bonds he invested in were mis-sold to him by Gallium Fund Solutions Limited. He said he was incorrectly informed the bonds would be covered by the Financial Services Compensation Scheme (FSCS) and given reassurances that the investment... (6 pages)View decision -
Decision Reference DRN-4002321
7 Mar 2023 Watford Insurance Company Europe Limited UpheldInsuranceDRN-4002321 The complaint Mr K has complained about Watford Insurance Company Europe Limited. He isn’t happy that it turned down a claim under his motor insurance policy and looked to recover its costs from him. What happened Mr K made a claim under his motor insurance policy after being i... (2 pages)View decision -
Decision Reference DRN-3962750
7 Mar 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3962750 The complaint Mr M complains that an unregulated business called Commercial Land and Property Brokers (CL&P) introduced him to Options UK Personal Pensions LLP, (‘Options’, which was trading as Carey Pensions UK LLP at the time of the relevant events) and gave him advice an... (32 pages)View decision -
Decision Reference DRN-3972005
7 Mar 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3972005 The complaint Miss K complains that HSBC UK Bank Plc took an unaffordable payment from her current account towards her credit card. Miss K is unhappy with the way that HSBC has treated her saying she’s suffered extreme mental distress as a result. What happened Miss K has a cur... (3 pages)View decision -
Decision Reference DRN-3978681
7 Mar 2023 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-3978681 The complaint Mr D complains about the quality of a car he acquired from a dealership that I will call “L” under a conditional sale agreement (“agreement”) with Santander Consumer (UK) Plc trading as Santander Consumer Finance (“Santander”). What happened In February 2020 Mr D ... (11 pages)View decision -
Decision Reference DRN-3966581
7 Mar 2023 Quickly Finance Limited UpheldClaims ManagementDRN-3966581 The complaint Mr R complains that Quickly Finance Ltd trading as Fast Track Reclaim (FTR) are asking him to pay their fee for a successful Payment Protection Insurance (PPI) claim he’d made in 2019. What happened In November 2018, Mr R instructed FTR to act on his behalf to see... (3 pages)View decision -
Decision Reference DRN-3991496
7 Mar 2023 One Insurance Limited UpheldInsuranceDRN-3991496 The complaint Mr A has complained that his motor insurer, One Insurance Limited (“One Insurance”), turned down a claim he made on his policy. What happened In August 2022 Mr A made a claim to One Insurance after his car was damaged as a result of him driving into water whilst d... (3 pages)View decision
