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 125400 results
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Decision Reference DRN-3812401
17 Nov 2022 Tesco Underwriting Limited UpheldInsuranceDRN-3812401 The complaint Miss M complains that Tesco Underwriting Limited haven’t offered her enough in respect of her insurance claim. What happened Miss M has a contents insurance policy with Tesco, which provides new for old cover. Unfortunately, Miss M spilt a glass of wine on her bed... (2 pages)View decision -
Decision Reference DRN-3660957
17 Nov 2022 Fairmead Insurance Limited UpheldInsuranceDRN-3660957 The complaint Mr J is unhappy with the way Fairmead Insurance Limited has dealt with a claim he made under his home insurance policy. What happened The circumstances of this complaint aren’t in dispute, so I’ll summarise the main points: Mr J got in touch with Fairmead in 2018... (3 pages)View decision -
Decision Reference DRN-3667435
17 Nov 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3667435 The complaint Mr W, on behalf of the late Mr C’s estate, complains about the service Santander UK Plc (‘Santander’), gave to his late husband in October 2020. He believes the service the late Mr C received from Santander caused him to take steps that put him at risk. The estate... (7 pages)View decision -
Decision Reference DRN-3755620
17 Nov 2022 U K Insurance Limited UpheldInsuranceDRN-3755620 The complaint Mr B complains that UK Insurance Limited, trading as Churchill (“UKI”) reduced his no claims discount unreasonably after he had an accident. And he says it was unsympathetic when he told it about the impact the resulting increase in premiums had on him. What happe... (3 pages)View decision -
Decision Reference DRN-3759965
17 Nov 2022 Inter Partner Assistance SA UpheldInsuranceDRN-3759965 The complaint Mr G complains that Inter Partner Assistance SA (IPA) declined his claim against his travel insurance policy. Reference to IPA includes its agents. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here in ful... (5 pages)View decision -
Decision Reference DRN-3812238
17 Nov 2022 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-3812238 The complaint Mr G and Mr S are unhappy a claim made under their home insurance has been declined by Royal & Sun Alliance Insurance Limited (RSA). What happened In July 2022 Mr G and Mr S were moving a bird feeder which had a spiked base in their garden, and unknown to them... (5 pages)View decision -
Decision Reference DRN-3550402
17 Nov 2022 Metro Bank PLC UpheldBanking and PaymentsDRN-3550402 The complaint Mr R complains that Metro Bank PLC won’t refund money he lost after he had fallen victim to a scam. What happened The circumstances which led to this complaint are well-known to both parties, so I won’t repeat them in detail here. But, in summary, I understand the... (4 pages)View decision -
Decision Reference DRN-3759495
17 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3759495 The complaint Mr A complains that Morses Club PLC lent to him irresponsibly. Mr A also complains that the breathing space period he agreed with Morses, alternatively he was in (pursuant to regulations), was breached by Morses in that it sent to him a notice of intended default.... (8 pages)View decision -
Decision Reference DRN-3798708
17 Nov 2022 Bradford & Bingley Limited UpheldPensions and AnnuitiesDRN-3798708 The complaint Mr R has complained about the advice he was given by Bradford & Bingley Limited to transfer out of a defined benefits occupational pension scheme (OPS) to a personal pension. Mr R considers the advice wasn’t in his best interests. What happened Mr R’s complain... (5 pages)View decision -
Decision Reference DRN-3811693
17 Nov 2022 esure Insurance Limited UpheldInsuranceDRN-3811693 The complaint Miss P complains about esure Insurance Limited (“esure”) for treating her two losses as separate claims, and for declining her claim for a laptop. She wants esure to accept and settle her claim. What happened Miss P held home contents insurance with esure. In Octo... (2 pages)View decision
