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 128312 results
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Decision Reference DRN-4111895
7 Jun 2023 U K Insurance Limited UpheldInsuranceDRN-4111895 The complaint Mr T complains about how UK Insurance Limited dealt with and progressed a claim he made under his household insurance following an escape of water. What happened The background to this complaint and my initial conclusions were set out in my provisional jurisdictio... (3 pages)View decision -
Decision Reference DRN-4176594
7 Jun 2023 Covea Insurance plc UpheldInsuranceDRN-4176594 The complaint 2 complains about Covea Insurance plc (“Covea”) for declining its insurance claim for subsidence and consequential damage. 2 wants Covea to accept the claim and undertake monitoring and investigations as recommended. What happened 2 is a limited company made up of... (3 pages)View decision -
Decision Reference DRN-4177069
7 Jun 2023 Mi Vehicle Finance Limited UpheldConsumer CreditDRN-4177069 The complaint Mrs W complains to MI Vehicle Finance Limited (‘MI’) about a van it financed. What happened Mrs W was supplied a small combo van from MI on hire purchase in September 2020. However, about 12 months later she contacted MI to explain there had been serious mechanica... (6 pages)View decision -
Decision Reference DRN-4002870
7 Jun 2023 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-4002870 The complaint Mr S complains that Royal & Sun Alliance Insurance Limited (RSA) voided his home insurance policy following a claim for storm damage. What happened In November 2021 Mr S made a claim on his home insurance for damage to his roof at the gable end of his house. H... (6 pages)View decision -
Decision Reference DRN-4047599
7 Jun 2023 HDI Global Specialty SE UpheldInsuranceDRN-4047599 The complaint Miss C has complained that HDI Global Specialty SE (HDI) has rejected a claim for veterinary treatment for her dog on the ground that the condition claimed for was identified within 14 days of her taking out the policy and therefore excluded. What happened Miss C ... (3 pages)View decision -
Decision Reference DRN-4096033
7 Jun 2023 Great Lakes Insurance SE UpheldInsuranceDRN-4096033 The complaint Mr and Mrs D are unhappy with the way Great Lakes Insurance SE (‘Great Lakes’) handled their claim. What happened Mr and Mrs D have a travel insurance policy underwritten by Great Lakes. They made a claim following a trip abroad when their return flight was cancel... (2 pages)View decision -
Decision Reference DRN-4166881
7 Jun 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4166881 The complaint Mr M has complained that HSBC UK Bank Plc are holding him liable for debts which he says were the result of ID theft. What happened This complaint surrounds an HSBC overdraft and credit card which were taken out over the internet in Mr M’s name in early 2022. Both... (3 pages)View decision -
Decision Reference DRN-4023024
7 Jun 2023 The National Farmers' Union Mutual Insurance Society Limited UpheldInsuranceDRN-4023024 The complaint Mr G complains that The National Farmers' Union Mutual Insurance Society Limited (NFU) unfairly rejected a claim on his Horse and Rider insurance policy and caused unnecessary delays when dealing with the claim. What happened Mr G took out a Horse and Rider i... (3 pages)View decision -
Decision Reference DRN-4070229
7 Jun 2023 Casualty & General Insurance Company (Europe) Ltd UpheldInsuranceDRN-4070229 The complaint Miss M has complained about Casualty & General Insurance Company (Europe) Ltd’s (Casualty & General’s) decision to decline a claim she made on her pet insurance policy. What happened Miss M took out a pet insurance policy with Casualty & General on 9 N... (2 pages)View decision -
Decision Reference DRN-3860064
7 Jun 2023 Inspirational Financial Management Ltd UpheldPensions and AnnuitiesDRN-3860064 The complaint Mr T complains about the advice Inspirational Financial Management Ltd (IFM) gave to him 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 cau... (5 pages)View decision