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-3853526
7 Jun 2023 Evelyn Partners Investment Management Services Limited UpheldInvestmentsDRN-3853526 The complaint Mr S complains that Evelyn Partners Investment Management Services Limited, trading as Bestinvest, caused delays in the transfer of his stocks and shares ISA to another provider. He wants compensation for the poor customer service he says he received, and for the ... (2 pages)View decision -
Decision Reference DRN-4087257
7 Jun 2023 Pensionhelp Limited UpheldPensions and AnnuitiesDRN-4087257 The complaint Mr M has complained that Pensionhelp Limited gave him unsuitable advice to transfer his defined benefits from his occupational pension scheme (OPS) – the British Steel Pension Scheme (BSPS) – to a Personal Pension Policy (PPP). What happened In March 2016, Tata St... (24 pages)View decision -
Decision Reference DRN-4175821
7 Jun 2023 AJH Financial Services Ltd UpheldPensions and AnnuitiesDRN-4175821 The complaint Mr L complained that he was given unsuitable advice to transfer his defined benefit (DB) British Steel Pension Scheme (BSPS), to a personal pension plan. AJH Financial Services Ltd is responsible for answering this complaint and so to keep things consistent, I’ll ... (12 pages)View decision -
Decision Reference DRN-3764862
7 Jun 2023 Inspirational Financial Management Ltd UpheldPensions and AnnuitiesDRN-3764862 The complaint Mr T complains about the advice given by Inspirational Financial Management Ltd (‘IFM’) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme with British Steel to a personal pension. He says the advice was unsuitable for him and bel... (11 pages)View decision -
Decision Reference DRN-4131840
7 Jun 2023 Morses Club PLC UpheldConsumer CreditDRN-4131840 The complaint Mrs B, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Mrs B was advanced several loans from Morses under two different identification numbers. Morses s... (6 pages)View decision -
Decision Reference DRN-4161057
7 Jun 2023 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4161057 The complaint Ms R complains that Bank of Scotland plc trading as Halifax (“Halifax”) didn’t do enough to protect her when she was the victim of a social media investment scam. What happened The background to this complaint is well known to both parties, and so I’ll only refer ... (6 pages)View decision -
Decision Reference DRN-4160740
7 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4160740 The complaint Miss P says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Miss P applied for a credit card in January 2020. It was approved with a limit of £300 and she was given four subsequent credit limit increases by NewDay. The first increase was in O... (3 pages)View decision -
Decision Reference DRN-4172195
7 Jun 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4172195 The complaint Mr M complains Lloyds Bank PLC didn’t promptly update the credit reference agencies (CRA’s) once he paid off his credit card balance. And he’s unhappy that after Lloyds did tell the CRA’s this, one of them didn’t update the balance to zero because they said Lloyds... (4 pages)View decision -
Decision Reference DRN-4161846
7 Jun 2023 QIC Europe Ltd UpheldInsuranceDRN-4161846 The complaint Mr and Mrs B are unhappy with the repairs carried out by QIC Europe Ltd to settle a claim they made under their home insurance policy. Mrs B has primarily dealt with the claim, so I’ll refer to her only for ease of reading. What I’ve decided – and why I’ve conside... (3 pages)View decision -
Decision Reference DRN-4175039
7 Jun 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4175039 The complaint Miss E complains that Tesco Personal Finance PLC trading as Tesco Bank have irresponsibly lent to her. What happened Miss E applied for and was accepted for a Tesco credit card in September 2011 with an opening credit limit of £4,000. This was increased to £6,000 ... (5 pages)View decision