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 122183 results
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Decision Reference DRN-3576468
19 Oct 2022 AEGON Investment Solutions Ltd UpheldInvestmentsDRN-3576468 The complaint Mr C’s complaint against AEGON Investment Solutions Ltd (“Aegon”) is about the time taken to complete the transfer of his ISA funds. What happened Mr C submitted transfer requests to Aegon, through his independent financial adviser (IFA), on 3 April 2020. Mr C wan... (3 pages)View decision -
Decision Reference DRN-3762526
19 Oct 2022 TSB Bank plc UpheldBanking and PaymentsDRN-3762526 The complaint Mrs L complains that TSB Bank plc removed a promotional interest rate on her credit card account and applied a late payment fee. What happened Mrs L had a direct debit in place to pay a fixed sum per month to her credit card account with TSB. Her June 2021 credit ... (5 pages)View decision -
Decision Reference DRN-3313430
19 Oct 2022 bdhSterling Limited UpheldPensions and AnnuitiesDRN-3313430 The complaint Mr D complains about the advice he was given by bdhSterling Limited to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a self-invested personal pension (‘SIPP’). He says the advice was unsuitable for him and believes this has c... (10 pages)View decision -
Decision Reference DRN-3761285
19 Oct 2022 Specialist Lending Limited UpheldConsumer CreditDRN-3761285 The complaint Miss A complains about a fixed sum loan agreement (“loan”) she entered into with Specialist Lending Limited (“Duologi”). What happened A company that I will call “P” offered Miss A a study/training programme that she had showed an interest in. The programme was av... (10 pages)View decision -
Decision Reference DRN-3762923
19 Oct 2022 Fairmead Insurance Limited UpheldInsuranceDRN-3762923 The complaint S, a limited company, complains that Fairmead Insurance Limited (Fairmead) has settled a claim made under their commercial property insurance policy under the malicious damage by tenant’s cover, rather than the fire cover. What happened S owns a property which is ... (4 pages)View decision -
Decision Reference DRN-3672296
19 Oct 2022 ReAssure Limited UpheldPensions and AnnuitiesDRN-3672296 The complaint Mr P complains that ReAssure Limited delayed the payment of his tax-free cash and annuity. He says they’ve failed to complete an assessment of his financial loss as a result of the delay. What happened The details of this complaint are well known to both parties a... (3 pages)View decision -
Decision Reference DRN-3762834
19 Oct 2022 Metro Bank PLC UpheldBanking and PaymentsDRN-3762834 The complaint Ms A is unhappy that following the closure of her account Metro Bank PLC (Metro) hasn’t returned the balance in her account. What happened Ms A says that she had talked to a man I’ll call J for a few years. J was in the army and was due to retire. Ms A was initial... (4 pages)View decision -
Decision Reference DRN-3571749
19 Oct 2022 Bank of Ireland (UK) Plc UpheldConsumer CreditDRN-3571749 The complaint Mr B complains that Bank of Ireland (UK) Plc trading as Post-Office Financial Services (BOI) unfairly defaulted his loan account, negatively impacting his credit file. What happened Mr B had a loan with BOI, which he took in November 2016. His monthly payments on ... (4 pages)View decision -
Decision Reference DRN-3588060
19 Oct 2022 Yorkshire Building Society UpheldMortgagesDRN-3588060 The complaint Mr and Mrs L complained Yorkshire Building Society (“YBS”) couldn’t offer an appointment for porting their mortgage in the timescale they needed to complete for their new house. And it charged an early repayment charge (“ERC”) when they got a new YBS mortgage onli... (4 pages)View decision -
Decision Reference DRN-3745857
19 Oct 2022 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3745857 The complaint Mr G complains that Tesco Personal Finance PLC trading as Tesco Bank (“Tesco”) lent to him irresponsibly. What happened In January 2015 Mr G opened a credit card account with Tesco. He had an initial account limit of £3,200 which was increased twice over the follo... (3 pages)View decision
