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-4049102
28 Mar 2023 ReAssure Limited UpheldPensions and AnnuitiesDRN-4049102 The complaint Mr S complains that ReAssure Limited caused delays when he wished to withdraw funds from his pension - meaning he has lost out on tax efficiencies. What happened ‘I set out the background to this case and my provisional findings in my prov... (3 pages)View decision -
Decision Reference DRN-3794022
28 Mar 2023 Gallium Fund Solutions Limited UpheldInvestmentsDRN-3794022 The complaint Mr C complains about a ‘Cash Bond’ issued by Basset & Gold Plc (“B&G Plc”) he invested into. He says the bond was mis-sold to him by Basset Gold Limited (“BG Ltd”), an appointed representative of Gallium Fund Solutions Limited (“Gallium”). Mr C says he has... (6 pages)View decision -
Decision Reference DRN-4051417
28 Mar 2023 AA Underwriting Insurance Company Limited UpheldInsuranceDRN-4051417 The complaint Mrs K is unhappy with the settlement offered by AA Underwriting Insurance Company Limited (the AA) following a claim under her home insurance. What happened In February 2022 damage was caused to the roof of Mrs K’s property during a storm, so she made a claim to t... (9 pages)View decision -
Decision Reference DRN-3910139
28 Mar 2023 Al Rayan Bank PLC UpheldMortgagesDRN-3910139 The complaint Mr A is unhappy Al Rayan Bank PLC (“Al Rayan”) told him he had an outstanding balance on his Home Purchase Plan (“HPP”) following its redemption. What happened Mr A got a new job abroad and decided to let his home while he was away. Mr A approached Al Rayan on 9 M... (3 pages)View decision -
Decision Reference DRN-4048933
28 Mar 2023 British Gas Services Limited UpheldInsuranceDRN-4048933 The complaint Mr C complains about British Gas Service Limited (“British Gas”) for work done by its agents. He wants them to reinstate a water supply which they disconnected during their work. What happened I set out the background to this matter in a provisional decision issue... (2 pages)View decision -
Decision Reference DRN-3705849
28 Mar 2023 Gain Credit LLC UpheldConsumer CreditDRN-3705849 The complaint Mr H, through his representative, complains he took a credit facility from Gain Credit LLC, trading as Drafty, and that it lent to him when he was in financial difficulties. Better checks would have led Drafty to know that and not to have lent to him. What happene... (4 pages)View decision -
Decision Reference DRN-4049559
28 Mar 2023 Ageas Insurance Limited UpheldInsuranceDRN-4049559 The complaint Ms G complains on behalf of Mr C that Ageas Insurance Limited has failed to pay a reasonable settlement for repairs following storm damage to the roofs of Mr G’s main home and of an outbuilding (known as the milking parlour). She also complains of long delays in d... (3 pages)View decision -
Decision Reference DRN-4018611
28 Mar 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4018611 The complaint Mr C complains that Barclays Bank UK PLC trading as Barclaycard lent irresponsibly when it approved his credit card application and later increased the credit limit on two occasions. What happened In May 2016 Mr C successfully applied for a credit card with Barcla... (3 pages)View decision -
Decision Reference DRN-4051183
28 Mar 2023 Pi Financial Ltd UpheldPensions and AnnuitiesDRN-4051183 The complaint Mr P complains that the advice given to him by Pi Financial Ltd to transfer his pension into a self-invested personal pension (SIPP) to enable an investment into a high-risk investment – the Optima Worldwide Group bond (OWG) – was unsuitable. Mr P states the advic... (12 pages)View decision -
Decision Reference DRN-3893237
28 Mar 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3893237 The complaint Mr K 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 K says his colleagues recomme... (42 pages)View decision