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 119142 results
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Decision Reference DRN-3552515
20 Jun 2022 Halifax Share Dealing Limited UpheldInvestmentsDRN-3552515 The complaint Ms N complains that Halifax Share Dealing Limited (Halifax) failed to allocate the full £20,000 she deposited to her Individual Savings Account (ISA) allowance for 2019/2020. She’s also unhappy she was unable to use all of her ISA allowance for the financial year ... (6 pages)View decision -
Decision Reference DRN-3441076
20 Jun 2022 Fairmead Insurance Limited UpheldInsuranceDRN-3441076 The complaint Mr M complains that Fairmead Insurance Limited declined his claim for the loss of his watch, under his home contents insurance policy. Mr M is represented in his complaint by Mr H. But I will refer to Mr M in my decision for ease of reading. What happened In July ... (4 pages)View decision -
Decision Reference DRN-3552655
20 Jun 2022 Barclays Bank UK PLC UpheldMortgagesDRN-3552655 The complaint Mr B complains that Barclays Bank UK PLC made errors with his buy to let mortgage accounts which caused difficulties with his tenants and resulted in adverse data on his credit files. He asks that this is put right and for an apology and compensation that reflects... (3 pages)View decision -
Decision Reference DRN-3552287
20 Jun 2022 Towergate Financial (East) Limited UpheldPensions and AnnuitiesDRN-3552287 The complaint Mr N complains about the advice given by Towergate Financial (East) Limited (“Towergate”) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a personal pension. He says his understanding was that both schemes were very similar ... (7 pages)View decision -
Decision Reference DRN-3552295
20 Jun 2022 Barclays Bank UK PLC UpheldMortgagesDRN-3552295 The complaint Miss C complains that Barclays Bank UK PLC gave her inconsistent and incorrect information about the early repayment charge (ERC) if she repaid her buy to let mortgage. She says this caused delays and her sale fell through. While Barclays offered compensation, she... (4 pages)View decision -
Decision Reference DRN-3549363
20 Jun 2022 Bamboo Limited UpheldConsumer CreditDRN-3549363 The complaint Mr B says Bamboo Limited, trading as Bamboo Loans, irresponsibly lent to him. What happened Mr B took out a 12-month instalment loan from Bamboo on 22 September 2019 for £5,000. The monthly repayment was £532.07. I will refer to this as loan 1. He then took out a ... (3 pages)View decision -
Decision Reference DRN-3499765
20 Jun 2022 NCO Europe Limited UpheldConsumer CreditDRN-3499765 The complaint Mrs C is unhappy with the way that NCO Europe Limited (NCOE) dealt with the management of her debt. She says this led to a default being unfairly registered against her credit file. What happened Mrs C’s outstanding debt relates to a credit card, which is now owne... (3 pages)View decision -
Decision Reference DRN-3479682
20 Jun 2022 St. James's Place Wealth Management Plc UpheldInvestmentsDRN-3479682 The complaint Mr and Mrs T complain about a life policy that St James’s Place Wealth Management Plc (SJP) sold them. Specifically, they are unhappy that the annual premium increases are different to the Average Earnings Index. What happened In 2005, Mr and Mrs T received advice... (3 pages)View decision -
Decision Reference DRN-3244950
20 Jun 2022 Pi Financial Ltd UpheldPensions and AnnuitiesDRN-3244950 The complaint Mr O complains about the advice given by Pi Financial Ltd trading as PI Financial Dixon Sutcliffe & Co (‘Pi Financial’) to transfer the benefits from his preserved defined-benefit (‘DB’) occupational pension scheme to a personal pension. He says the advice was... (8 pages)View decision -
Decision Reference DRN-3552135
20 Jun 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3552135 The complaint Miss D complains that Bank of Scotland plc trading as Halifax (BOS) didn’t do enough to protect her from losing money to scammers. What happened The background to this complaint is well known to the parties so I won’t repeat it in full here. In summary, in 2018 an... (4 pages)View decision
