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 122580 results
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Decision Reference DRN-3479759
16 Sep 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3479759 The complaint Mr and Ms F complain that HSBC UK Bank Plc trading as first direct won’t refund money they transferred to a fraudster. What happened The investigator has set out the background to this complaint at great length, so I won’t repeat it all here. Briefly, Ms F was con... (5 pages)View decision -
Decision Reference DRN-3664917
16 Sep 2022 Omni Capital Retail Finance Limited UpheldConsumer CreditDRN-3664917 The complaint Mr R has complained that Omni Capital Retail Finance Limited (“OCRF”) rejected his claim against it under Section 75 of the Consumer Credit Act 1974. What happened Mr R bought a solar panel system (“the system”) for his home in November 2018. The purchase was fund... (4 pages)View decision -
Decision Reference DRN-3290302
16 Sep 2022 Central Markets Investment Management Limited UpheldPensions and AnnuitiesDRN-3290302 The complaint Mr G 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 make investments within the scheme including a discretionary managed portfolio and a Cape Verde ho... (16 pages)View decision -
Decision Reference DRN-3642531
16 Sep 2022 U K Insurance Limited UpheldInsuranceDRN-3642531 The complaint Mr T complains that U K Insurance Limited (U K Insurance) delayed paying a settlement payment when his car was written off, under his motor insurance policy. What happened Mr T’s car was damaged. So, he made a claim to U K Insurance in December 2021. A settlement ... (3 pages)View decision -
Decision Reference DRN-3671268
16 Sep 2022 TSB Bank plc UpheldMortgagesDRN-3671268 The complaint Mr P complains that TSB Bank plc (“TSB”) have unfairly reported a late payment on his mortgage account to credit reference agencies. What happened Mr P says he regularly made his contractual monthly payments (“CMPs”) over the phone. But during the Covid-19 pandemi... (3 pages)View decision -
Decision Reference DRN-3657549
16 Sep 2022 Unity Auto Finance Ltd UpheldConsumer CreditDRN-3657549 The complaint Mr B complains about the quality of a car he has been financing through an agreement with Unity Auto Finance Ltd (“Unity”). What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll focus on giving ... (3 pages)View decision -
Decision Reference DRN-3679798
16 Sep 2022 Hiscox Insurance Company Limited UpheldInsuranceDRN-3679798 The complaint A company that I’ll refer to as N complains that Hiscox Insurance Company Limited turned down a claim on their commercial insurance policy. X, a director of N, has complained on N’s behalf. What happened N has a pickup which has a covered back. The shell for the b... (2 pages)View decision -
Decision Reference DRN-3437650
16 Sep 2022 Manor Wealth Management Ltd UpheldPensions and AnnuitiesDRN-3437650 The complaint Mr H complains that Manor Wealth Management Ltd gave him unsuitable advice regarding his personal pension. What happened In 2016 Mr H made some enquiries about a pension he thought he had, and the pension provider traced his pension and sent him some details abou... (5 pages)View decision -
Decision Reference DRN-3678687
16 Sep 2022 Admiral Insurance Company Limited UpheldInsuranceDRN-3678687 The complaint Mr O complains that Admiral Insurance Company Limited haven’t paid him the market value for his car after he claimed on his car insurance policy. What happened Mr O was involved in an accident which he didn’t think he was at fault for. He reported the accident to ... (3 pages)View decision -
Decision Reference DRN-3699344
16 Sep 2022 ReAssure Limited UpheldPensions and AnnuitiesDRN-3699344 The complaint Mr D complains that ReAssure Limited (ReAssure) overpaid his pension benefits and have asked him to pay them back. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. The facts are not in dispute, so I’ll ... (2 pages)View decision
