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 121876 results
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Decision Reference DRN-3500207
20 Jul 2022 Monzo Bank Ltd UpheldBanking and PaymentsDRN-3500207 The complaint Miss C is unhappy because Monzo Bank Ltd (Monzo) did not reimburse the money she transferred to a fraudster. What happened Both parties are aware of the circumstances of the complaint, so I won’t repeat them all here. But briefly, Miss C was approached on social m... (4 pages)View decision -
Decision Reference DRN-3322552
19 Jul 2022 Lloyds Bank PLC UpheldInvestmentsDRN-3322552 The complaint Mr and Mrs M complain that they were sold insufficient life assurance by an adviser from Lloyds Bank PLC. What happened In January 2005, Mr and Mrs M took out life assurance through Lloyds, after they had recently sought new mortgage lending. The adviser recorded ... (4 pages)View decision -
Decision Reference DRN-3442577
19 Jul 2022 Tesco Underwriting Limited UpheldInsuranceDRN-3442577 The complaint Mr and Mrs P complain about Tesco Underwriting Limited’s decision to decline their buildings insurance claim. All references to Tesco also include its appointed agents. What happened The details of this complaint are well known to both parties, so I won’t repeat t... (2 pages)View decision -
Decision Reference DRN-3562058
19 Jul 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3562058 The complaint Mr M complains that HSBC UK Bank Plc lent irresponsibly when it approved his credit card application. What happened Mr M applied for a credit card with HSBC in May 2017. In Mr M’s application he said he was employed with an income of £30,000. HSBC completed a cred... (3 pages)View decision -
Decision Reference DRN-3025893
19 Jul 2022 Sainsbury's Bank Plc UpheldConsumer CreditDRN-3025893 The complaint Mrs A complains that Sainsbury’s Bank Plc are holding her liable for a loan which she explains she didn’t take out. She’d like the loan written off, removed from her credit file and compensation for the distress caused. What happened In January 2020 a loan of £5,0... (3 pages)View decision -
Decision Reference DRN-3506262
19 Jul 2022 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-3506262 The complaint Mr M complains that Royal & Sun Alliance Insurance Plc trading as More Th>n (RSA) have charged far higher premiums for many years on the renewal of his buildings and contents policy than were available to a new customer. He would like a refund of the overpa... (6 pages)View decision -
Decision Reference DRN-3553437
19 Jul 2022 Covea Insurance plc UpheldInsuranceDRN-3553437 The complaint Mrs D complains about Covea Insurance plc (Covea) declining to reimburse part of the costs within a claim under her pet insurance policy for treatment of her dog. References to Covea include their agents who administer the policy. What happened In October 2021 Mrs... (4 pages)View decision -
Decision Reference DRN-3536320
19 Jul 2022 My Finance Club Limited UpheldConsumer CreditDRN-3536320 The complaint Miss L complains that My Finance Club Limited was irresponsible to lend to her. What happened Miss L had five loans from My Finance Club between June 2019 and October 2019: Loan Date Amount Term Scheduled Repayment Due Repaid 1 10 Jun 2019 £100 30d £124.40 10 Jul ... (4 pages)View decision -
Decision Reference DRN-3244727
19 Jul 2022 Portal Financial Services LLP UpheldPensions and AnnuitiesDRN-3244727 The complaint Mr S complains about advice he was given to transfer the benefits of a defined-benefit (DB) occupational pension scheme (OPS) to a personal pension plan. He says the advice was unsuitable for him and believes this has caused him a financial loss. Portal Financial ... (8 pages)View decision -
Decision Reference DRN-3604121
19 Jul 2022 UK Credit Limited UpheldConsumer CreditDRN-3604121 The complaint Mr K complained that UK Credit Limited lent to him irresponsibly and provided him with an unaffordable loan. What happened Mr K was given a loan by UK Credit as follows: Date taken Loan amount Number of monthly instalments Monthly repayment* Total payable June 201... (5 pages)View decision
