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 125363 results
-
Decision Reference DRN-3885056
17 Jan 2023 Trading 212 UK Limited UpheldInvestmentsDRN-3885056 The complaint Mr O complains that Trading 212 UK Limited (“T212”) allowed him to open a CFD trading account. In brief, he feels it should’ve had checks in place that would’ve highlighted that the account wasn’t appropriate for him. He’s explained that he has several conditions ... (7 pages)View decision -
Decision Reference DRN-3862153
17 Jan 2023 British Gas Insurance Limited UpheldInsuranceDRN-3862153 The complaint Mr & Mrs H are unhappy that British Gas Insurance Limited hadn’t complied with legal requirements regarding the electrics linked to their boiler and that British Gas serviced the equipment for several years and never resolved the problem, leaving them in dange... (3 pages)View decision -
Decision Reference DRN-3797347
17 Jan 2023 Covea Insurance plc UpheldInsuranceDRN-3797347 The complaint Mr L complains that Covea Insurance Plc avoided his car insurance policy (that is, treated it like it never existed) and turned down his claim. What happened Mr L took out a car insurance policy with Covea through an insurance broker. In December 2020 he called th... (3 pages)View decision -
Decision Reference DRN-3884120
17 Jan 2023 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-3884120 The complaint Mr and Mrs O have complained about Royal & Sun Alliance Insurance Limited trading as RSA Insurance (RSA)’s decision to reject a claim they made for an escape of water and its failure to provide a proper explanation as to why. What happened In October 2021 Mr a... (3 pages)View decision -
Decision Reference DRN-3887817
17 Jan 2023 Advantage Insurance Company Limited UpheldInsuranceDRN-3887817 The complaint Mr F complains that Advantage Insurance Company Limited delayed providing him with a courtesy car following a claim made on his motor insurance policy. He wants reimbursement of his car hire costs and compensation for his expenses and lost earnings. What happened ... (3 pages)View decision -
Decision Reference DRN-3673731
17 Jan 2023 Yoga Insurance Services Limited UpheldInsuranceDRN-3673731 The complaint X has complained that they were unable to proceed with their application for car insurance via Yoga Insurance Services Limited (“Yoga”) because it didn’t offer Mx titles on its systems. Background In May 2022 X need to apply for new car insurance and was offered a... (3 pages)View decision -
Decision Reference DRN-3459598
17 Jan 2023 Niche Independent Financial Advisers Limited UpheldPensions and AnnuitiesDRN-3459598 The complaint Mr R complains about the advice given by Niche Independent Financial Advisers Limited (‘Niche’) to transfer the benefits from his defined-benefit (‘DB’) scheme with British Steel (‘BSPS’) to a personal pension. He says the advice was unsuitable for him and believe... (11 pages)View decision -
Decision Reference DRN-3800389
17 Jan 2023 FCE Bank Plc UpheldConsumer CreditDRN-3800389 The complaint Mrs N is unhappy with the quality of the car she acquired under a hire purchase agreement with FCE Bank Plc trading as Ford Credit Europe (FCE). What happened In August 2017, Mrs N entered into a hire purchase agreement with FCE to acquire a brand- new car. The ca... (4 pages)View decision -
Decision Reference DRN-3865597
17 Jan 2023 QIC Europe Ltd UpheldInsuranceDRN-3865597 The complaint Miss R complains that QIC Europe Ltd (QIC) charged an excess fee and took a long time to repair her car following an accident claim she made, under her motor insurance policy. What happened In November 2021 Miss R was involved in a car accident. She contacted QIC ... (4 pages)View decision -
Decision Reference DRN-3874054
17 Jan 2023 HSBC UK Bank Plc UpheldMortgagesDRN-3874054 The complaint This complaint’s about a mortgage that Mr F holds with HSBC UK Bank Plc. Mr F, who has serious health problems, has been in long-standing arrears, and HSBC has turned down his request for a term extension and rejected a proposed payment plan that relied on financi... (3 pages)View decision
