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-4170452
6 Jun 2023 Hargreaves Lansdown Asset Management Limited UpheldInvestmentsDRN-4170452 The complaint The executors of the estate of Mrs P complained that HL failed to distribute dividends that accrued to the estate until some years after the estate’s tax liabilities had been agreed with HMRC. They were also unhappy that HL incorrectly paid a dividend to one of th... (4 pages)View decision -
Decision Reference DRN-4108180
6 Jun 2023 PK Financial Planning LLP UpheldPensions and AnnuitiesDRN-4108180 The complaint Mr C complains about the advice given by PK Financial Planning LLP (‘PKFP’) 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 financi... (8 pages)View decision -
Decision Reference DRN-4084977
6 Jun 2023 Morses Club PLC UpheldConsumer CreditDRN-4084977 The complaint Ms G, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Ms G was advanced five home collected loans and I’ve included some of the information we’ve receiv... (5 pages)View decision -
Decision Reference DRN-4167923
6 Jun 2023 Curtis Banks Limited UpheldPensions and AnnuitiesDRN-4167923 The complaint Mr B complains that Curtis Banks Limited failed to carry out appropriate due diligence on an investment he intended to make before accepting it into his existing self-invested pension plan (‘SIPP’). What happened Mr B invested £60,000 in the Axiom Legal Financing ... (21 pages)View decision -
Decision Reference DRN-4063995
6 Jun 2023 Liverpool Victoria Financial Advice Services Limited UpheldPensions and AnnuitiesDRN-4063995 The complaint Mr S complains about the advice given by Liverpool Victoria Financial Advice Services Limited (‘LV’). He says that whilst he was given advice not to transfer, he didn’t think the benefits he was giving up from his defined-benefit (‘DB’) occupational pension scheme... (9 pages)View decision -
Decision Reference DRN-4026792
6 Jun 2023 QIC Europe Ltd UpheldInsuranceDRN-4026792 The complaint Mr B has complained that QIC Europe Ltd unfairly declined a claim under his pet insurance policy. What happened On 25 January 2021 Mr B took out a new policy with QIC. On 6 February 2021 Mr B took his cat to the vet because she was wheezing and coughing. Mr B told... (3 pages)View decision -
Decision Reference DRN-4008412
6 Jun 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-4008412 The complaint Mrs M complains that Loans 2 Go Limited lent to her irresponsibly. What happened Mrs M applied for and received the following loans from Loans 2 Go: Date Amount Term Monthly repayment APR Total repayable Loan 1 24 Aug 2019 £1,000 18 months £228.56 1,013.2% £4,114.... (3 pages)View decision -
Decision Reference DRN-3818247
6 Jun 2023 Casualty & General Insurance Company (Europe) Ltd UpheldInsuranceDRN-3818247 The complaint Mr C has complained that Casualty & General Insurance Company (Europe) Limited (C&G) has declined his claim for investigation and treatment for his pet dog. What happened On 23 March 2022, Mr C took his dog, who I’ll refer to as “E”, to her vet as he was c... (3 pages)View decision -
Decision Reference DRN-4049940
6 Jun 2023 AXA Insurance UK Plc UpheldInsuranceDRN-4049940 The complaint Mr H complains about how AXA Insurance UK Plc has settled his claim on his landlords insurance policy. Mr H has been represented by a third party throughout this complaint. However for ease of reading, all references to Mr H include the actions of his representati... (3 pages)View decision -
Decision Reference DRN-4172294
6 Jun 2023 Santander UK Plc UpheldBanking and PaymentsDRN-4172294 Complaint Mr M has complained that Santander UK Plc (“Santander”) irresponsibly provided him with an overdraft which it continued applying charges on even when he was in financial difficulty. Background One of our adjudicators looked at Mr M’s complaint and thought we could loo... (3 pages)View decision