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 120327 results
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Decision Reference DRN-3567035
29 Jun 2022 Aviva Life & Pensions UK Limited UpheldInsuranceDRN-3567035 The complaint Mrs M complains about the decision by Aviva Life & Pensions UK Limited to terminate her income protection claim and cancel her cover. What happened Mrs M is covered by her employer’s income protection scheme, the aim of which is to pay an income in the event s... (5 pages)View decision -
Decision Reference DRN-3330637
29 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3330637 The complaint Mrs C says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs C applied for a credit card in September 2018. It was approved with a limit of £450 and she was given five subsequent credit limit increases by NewDay – in January 2019 to £1,700,... (3 pages)View decision -
Decision Reference DRN-3249395
29 Jun 2022 Central Markets Investment Management Limited UpheldPensions and AnnuitiesDRN-3249395 The complaint Mr P has complained that he was unsuitably advised by Central Markets Investment Management Ltd (CMIM), as a trustee of his Small Self-Administered Scheme (SSAS), to invest in a Cape Verde hotel development of The Resort Group (TRG) and a discretionary managed por... (15 pages)View decision -
Decision Reference DRN-3020876
29 Jun 2022 UK Credit Limited UpheldConsumer CreditDRN-3020876 The complaint Mr C complained that UK Credit Limited lent to him irresponsibly and provided him with unaffordable lending. What happened UK Credit provided a loan to Mr C as follows: Date Amount Term Monthly repayment Total amount payable August 2017 £10,000 60 months £339.06 ... (5 pages)View decision -
Decision Reference DRN-3568731
29 Jun 2022 AWP P&C SA UpheldInsuranceDRN-3568731 The complaint Mr and Mrs O complain that AWP P&C SA hasn’t settled a claim under their travel insurance policy. What happened Mr and Mrs O bought an annual worldwide multi-trip travel insurance policy which started on 18 August 2019, provided by AWP. Mr and Mrs O booked thr... (3 pages)View decision -
Decision Reference DRN-3518985
29 Jun 2022 Red Sands Insurance Company (Europe) Limited UpheldInsuranceDRN-3518985 The complaint Mrs R has complained that Red Sands Insurance Company (Europe) Limited (‘Red Sands’) has unfairly declined a claim under a home contents policy. What happened Mrs R contacted Red Sands to make a claim for a bag that was damaged. Red Sands asked Mrs R to provide pr... (2 pages)View decision -
Decision Reference DRN-3567680
29 Jun 2022 Alexander David Securities Limited UpheldPensions and AnnuitiesDRN-3567680 The complaint Ms W has complained that she was unsuitably advised by St Pauls Marketing Limited, an appointed representative of Alexander David Securities Limited, to switch two personal pensions to a SIPP (Self Invested Personal Pension) and make high risk investments. What ha... (6 pages)View decision -
Decision Reference DRN-3567675
29 Jun 2022 Link Market Services Trustees Limited UpheldInvestmentsDRN-3567675 The complaint Miss T complains that Link Market Services Trustees Limited sent information about Subscription Rights for her share dealing account to a previous address, so it was out of time to sell by the time she received it, leaving her out of pocket. What happened Miss T h... (3 pages)View decision -
Decision Reference DRN-3568645
29 Jun 2022 HSBC UK Bank Plc UpheldInvestmentsDRN-3568645 The complaint Mr and Mrs R’s complaint is about an error in the information they were provided with about their mortgage endowment policy with HSBC UK Bank Plc. They have sad this error led them to surrender their policy early and give money to their children, which they wouldn... (5 pages)View decision -
Decision Reference DRN-3568363
29 Jun 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3568363 The complaint Miss M is unhappy with how Santander UK Plc dealt with her when she needed help. She says it didn’t provide enough support to help with her overdraft facility and the information she received from Santander wasn’t always clear. To resolve her complaints, she wants... (3 pages)View decision
