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-3947521
24 Feb 2023 esure Insurance Limited UpheldInsuranceDRN-3947521 The complaint Mr O complains that when his stationary car was hit by another driver esure Insurance Limited recorded this as a fault claim, he lost years of his no claims discount (NCD), and his insurance premiums increased. He wants esure to remove the reference to a fault cla... (4 pages)View decision -
Decision Reference DRN-3962089
24 Feb 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3962089 The complaint Mr B 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... (30 pages)View decision -
Decision Reference DRN-3986141
24 Feb 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3986141 The complaint Mr C complains that Lloyds Bank PLC declined his claim under section 75 of the Consumer Credit Act 1974 for a refund of his payment for a repair of his son’s car. Background In June 2022 Mr C paid a garage to repair his son’s car. The issue was that the timing cha... (3 pages)View decision -
Decision Reference DRN-3986891
24 Feb 2023 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3986891 The complaint Ms K is unhappy that Bank of Scotland plc, trading as Halifax, didn’t reactive her account as they should have done. What happened Ms K visited a Halifax branch and presented branch staff with the correct identity verification (“IDV”) documents to reactive an acco... (3 pages)View decision -
Decision Reference DRN-3582589
24 Feb 2023 First Equity Limited UpheldInvestmentsDRN-3582589 The complaint Mr M complains, through his representative, about First Equity Limited. He’s unhappy with the losses suffered on his portfolio and thinks that he’s been given unsuitable advice and hasn’t been treated fairly. What happened Mr M became an advisory client of First E... (6 pages)View decision -
Decision Reference DRN-3560700
24 Feb 2023 First Equity Limited UpheldInvestmentsDRN-3560700 The complaint Mrs M complains, through her representative, about First Equity Limited. She’s unhappy with the losses she’s suffered on her portfolio and thinks that she’s been given unsuitable advice and hasn’t been treated fairly. What happened Mrs M became an advisory client ... (6 pages)View decision -
Decision Reference DRN-3787564
24 Feb 2023 Gallium Fund Solutions Limited UpheldInvestmentsDRN-3787564 The complaint Mr C complains he was mis-sold an investment bond by Basset Gold Limited (“BG Ltd”) an appointed representative of Gallium Fund Solutions Limited (“Gallium”). He says the bond was mis-sold to him and he has lost all of his money as a result of poor performance of ... (5 pages)View decision -
Decision Reference DRN-3865935
24 Feb 2023 PayrNet Limited UpheldBanking and PaymentsDRN-3865935 The complaint A company, which I’ll refer to as V, complains that PayrNet Limited won’t refund disputed transactions debited from the company’s mobile business account provided by ANNA. Mr P, who is the director of V, brings the complaint on V’s behalf. He says he did not autho... (5 pages)View decision -
Decision Reference DRN-3985191
24 Feb 2023 Advanced Payment Solutions Limited UpheldBanking and PaymentsDRN-3985191 The complaint T raised a complaint that Advanced Payment Solutions Limited (trading as Cashplus) won’t refund transactions it didn’t make. Mr C is the sole director for T, who I’ll refer to throughout the decision. What happened Mr C received a call from someone pretending to ... (3 pages)View decision -
Decision Reference DRN-3929993
24 Feb 2023 esure Insurance Limited UpheldInsuranceDRN-3929993 The complaint Mr and Mrs S complain that esure Insurance Limited (‘esure’) unfairly declined their claim for items destroyed in a fire at their property. What happened Mr and Mrs S made a claim on their contents insurance policy following a fire in their garden. The fire destro... (2 pages)View decision
