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 128535 results
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Decision Reference DRN-4059370
31 Mar 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4059370 The complaint Mr W complains that Options UK Personal Pensions LLP (formerly Carey Pensions) (‘Options’) shouldn’t have accepted a transfer of his occupational pension scheme into a self-invested personal pension (‘SIPP’). What happened In 2012, Mr W was approached by a represe... (42 pages)View decision -
Decision Reference DRN-4059589
31 Mar 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4059589 The complaint Mr A complains that Barclays Bank plc restricted and then closed his accounts without notice. What happened Mr A held three accounts with Barclays – a current account, a savings account, and a business account (set up as a sole trader account). On 9 June 2021 Mr A... (2 pages)View decision -
Decision Reference DRN-4009213
31 Mar 2023 First Data Europe Limited UpheldBanking and PaymentsDRN-4009213 The complaint T complains that First Data Europe Limited trading as Clover has incorrectly applied charges for not being PCI-DSS compliant. What happened Between September 2020 and January 2021 Clover charged T PCI-DSS non-compliance fees. But Mr V, T’s director, has explained ... (3 pages)View decision -
Decision Reference DRN-3788433
31 Mar 2023 Gallium Fund Solutions Limited UpheldInvestmentsDRN-3788433 The complaint In April 2017, Mr H invested £20,000 in a 3 Year Compounding High Income IFISA Bond with Basset & Gold Plc (“B&G Plc”). He complains the bond was mis-sold to him by Basset Gold Limited (“BG Ltd”), an appointed representative of Gallium Fund Solutions Limit... (5 pages)View decision -
Decision Reference DRN-3820826
31 Mar 2023 1.618 Advisory Services UK Limited UpheldInvestmentsDRN-3820826 The complaint Miss D complains that 1.618 Advisory Services UK Limited (1.618) mis-sold her a life and serious illness assurance policy by failing to accurately record her health in the application. Because of this, Miss D considers 1.618 responsible for the policy being avoide... (5 pages)View decision -
Decision Reference DRN-3882883
31 Mar 2023 Hyundai Capital UK Limited UpheldConsumer CreditDRN-3882883 The complaint Mr M complains that the car he acquired through a conditional sale agreement from Hyundai Capital UK Limited (“Hyundai”) is not of satisfactory quality. What happened Mr M acquired a new car from Hyundai in November 2021. He began noticing a grinding noise from th... (4 pages)View decision -
Decision Reference DRN-4055245
31 Mar 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4055245 The complaint Mr S complains about the information National Westminster Bank Plc (NatWest) requested to open a basic bank account. Mr S has told us he feels NatWest discriminated against him when it asked for a letter from HMRC confirming his National Insurance number instead o... (4 pages)View decision -
Decision Reference DRN-3887134
31 Mar 2023 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-3887134 The complaint Mrs M complains about the response of Clydesdale Financial Services Limited trading as Barclays Partner Finance (“BPF”) to her complaint about the claim she made in relation to the quality of her kitchen. What happened Mrs M is represented in her complaint by a fi... (5 pages)View decision -
Decision Reference DRN-4061193
31 Mar 2023 London & Colonial Services Limited UpheldInvestmentsPage 1 of 32The complaint Mrs C says that she received unsuitable advice to transfer from her defined benefit scheme (‘DBS’) into a London & Colonial Services Limited (‘L&C’) Self-Invested Personal Pension (‘SIPP’). Mrs C complains that L&C didn’t carry out sufficient checks, a... (32 pages)View decision -
Decision Reference DRN-4057418
31 Mar 2023 Society of Lloyd's UpheldInsuranceDRN-4057418 The complaint W, a limited company, has complained about the way that Society of Lloyd’s calculated the settlement of its business interruption insurance claim. Reference to Lloyd’s in this decision includes the underwriting syndicate which issued the policy. Mr M, a director o... (5 pages)View decision