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-4005847
7 Mar 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4005847 The complaint Mr V complains that Lloyds Bank PLC blocked his account without notice or explanation, which left him unable to access his funds. He’d like an adequate amount of compensation for the disruption to his life. What happened Mr V lives abroad but holds various account... (3 pages)View decision -
Decision Reference DRN-3952554
7 Mar 2023 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-3952554 The complaint Mr and Mrs M complain Royal & Sun Alliance Insurance Limited (RSA) have unfairly declined their buildings insurance claim. All references to RSA also include its appointed agents. What happened The details of this complaint are well known to both parties, so I... (2 pages)View decision -
Decision Reference DRN-3982221
7 Mar 2023 John Joseph Financial Services Limited UpheldPensions and AnnuitiesDRN-3982221 The complaint Mr S has complained about the advice he received from John Joseph Financial Services Limited (“JJFS”) to take out a free-standing additional voluntary contribution (“FSAVC”) plan. What happened In November 1995 JJFS advised Mr S to take out an FSAVC plan. Mr S fol... (7 pages)View decision -
Decision Reference DRN-3998118
7 Mar 2023 Gallium Fund Solutions Limited UpheldInvestmentsDRN-3998118 The complaint Mr J complains Gallium Fund Solutions Limited (“Gallium”) are responsible for money he lost on a high-risk investment. What happened Mr J was sold his bond – a 4 Year Compounding High-Yield Bond – in July 2017 by Basset Gold Limited (“BG Ltd”). A separate business... (5 pages)View decision -
Decision Reference DRN-3958022
7 Mar 2023 Hitachi Capital (UK) Plc UpheldConsumer CreditDRN-3958022 The complaint Mr S complains that Hitachi Capital (UK) Plc are holding him liable for a loan he says he didn’t apply for. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the key events here... (2 pages)View decision -
Decision Reference DRN-3953039
7 Mar 2023 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-3953039 The complaint Mrs Y complains about how Admiral Insurance (Gibraltar) Limited (Admiral) dealt with a claim under her home insurance policy for damage to her property caused by a fire at a neighbouring property. Admiral use agents to administer the policy and to assess claims. R... (4 pages)View decision -
Decision Reference DRN-4005692
7 Mar 2023 TSB Bank plc UpheldBanking and PaymentsDRN-4005692 The complaint Mr M complains that TSB Bank plc blocked and closed his account. He complains that he has been discriminated against by TSB What happened Mr M opened a current account with TSB in 2020, although it wasn’t used until it received a payment in July 2021. Two more pay... (4 pages)View decision -
Decision Reference DRN-3904523
7 Mar 2023 Utmost Life and Pensions Limited UpheldPensions and AnnuitiesDRN-3904523 The complaint Mr S complains about the advice given by Hearts of Oak Insurance Group (Hearts) 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 finan... (6 pages)View decision -
Decision Reference DRN-3952370
7 Mar 2023 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-3952370 The complaint Mr G and Miss G are unhappy that a car supplied to them under a hire purchase agreement with Mercedes-Benz Financial Services UK Limited (MBFS) was of an unsatisfactory quality. What happened In August 2021, Mr G and Miss G were supplied with a used car through a ... (3 pages)View decision -
Decision Reference DRN-3713822
7 Mar 2023 1plus1 Loans Limited UpheldConsumer CreditDRN-3713822 The complaint Miss H complains 1Plus1 Loans Limited trading as 1Plus1 Loans irresponsibly lent to her. What happened Miss H was approved for a £10,000 guarantor loan by 1Plus1 Loans in December 2018. The term of the loan was 60 months with repayments of approximately £380 per m... (4 pages)View decision
