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 125299 results
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Decision Reference DRN-3593391
23 Feb 2023 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-3593391 The complaint Mr W complains about the options provided by BMW Financial Services (GB) Limited (BMWFS) to repay the arrears on his account. What happened Mr W entered into a hire purchase agreement with BMWFS in September 2020 to acquire a used car. The agreement required Mr W ... (4 pages)View decision -
Decision Reference DRN-3873635
23 Feb 2023 The National Farmers' Union Mutual Insurance Society Limited UpheldInsuranceDRN-3873635 The complaint L, a limited company, complains The National Farmers' Union Mutual Insurance Society Limited (NFU) has unfairly withdrawn legal expenses insurance (LEI) cover. Any reference to L or NFU includes the comments of their respective agents or representatives. What... (4 pages)View decision -
Decision Reference DRN-3976192
23 Feb 2023 Zurich Insurance PLC UpheldInsuranceDRN-3976192 The complaint Mrs S complains about Zurich Insurance PLC’s handling of a claim she made after the wall outside her house began to collapse. What happened Mrs S’s home is covered by an insurance policy underwritten by Zurich. The background to this complaint is very well known t... (4 pages)View decision -
Decision Reference DRN-3978107
23 Feb 2023 Aviva Insurance Limited UpheldInsuranceDRN-3978107 The complaint Mr F1, Mr F2 and Mrs F trade as a business that I’ll refer to as F. They complained that Aviva Insurance Limited undervalued their business interruption insurance claim. Mr F1, Mr F2 and Mrs F have complained through a representative. For ease of reading, I’ll ref... (7 pages)View decision -
Decision Reference DRN-3956628
23 Feb 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3956628 The complaint Ms R complains that an unregulated business called Commercial Land and Property Brokers (CL&P) introduced her to Options UK Personal Pensions LLP, (‘Options’, which was trading as Carey Pensions UK LLP at the time of the relevant events) and gave her advice an... (32 pages)View decision -
Decision Reference DRN-3981217
23 Feb 2023 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-3981217 The complaint Mr W has complained that Admiral Insurance (Gibraltar) Limited has declined his claim under his single trip travel insurance policy for fishing equipment. What happened Mr W’s car was broken into whilst he was on holiday and fishing equipment was stolen from it. H... (4 pages)View decision -
Decision Reference DRN-2935543
23 Feb 2023 Jacob Hopkins McKenzie Limited UpheldInvestmentsDRN-2935543 The complaint Mr G complains that Jacob Hopkins McKenzie Limited (JHML) mis-sold him an investment in a property scheme. What happened Mr G met with an advisor of JHML in around July 2018. The advisor sold him £30,000 worth of shares in a property development scheme. Mr G under... (7 pages)View decision -
Decision Reference DRN-3983041
23 Feb 2023 Legal and General Assurance Society Limited UpheldInsuranceDRN-3983041 The complaint Mr A is unhappy with how Legal & General Assurance Society Limited has dealt with a claim he made under his income protection policy. What happened Mr A took out an income protection policy, through an intermediary, in 2005. The policy provided was designed to... (4 pages)View decision -
Decision Reference DRN-3630525
23 Feb 2023 Gain Credit LLC UpheldConsumer CreditDRN-3630525 The complaint Mr B complains Gain Credit LLC (trading as Drafty) gave him a line of credit he couldn’t afford to repay because at the time Mr B was spending significant amounts of money gambling. What happened Mr B approached Drafty for a running credit facility in September 20... (4 pages)View decision -
Decision Reference DRN-3734736
23 Feb 2023 Gain Credit LLC UpheldConsumer CreditDRN-3734736 The complaint Mr L took two credit facilities from Gain Credit LLC, trading as Drafty, and he complains that it lent to him when he was in financial difficulties. Better checks would have led Drafty to know that and not to have lent to him. What happened These credit facilities... (4 pages)View decision
