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 128312 results
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Decision Reference DRN-3989692
27 Feb 2023 Aviva Insurance Limited UpheldInsuranceDRN-3989692 The complaint Mrs P complains that Aviva Insurance Limited settled a claim on her motor insurance policy as split liability. She wants to be held not at fault. Mr P is a named driver on Mrs P’s policy. What happened Mr P was involved in a collision with another car at a roundab... (2 pages)View decision -
Decision Reference DRN-3989287
27 Feb 2023 QIC Europe Ltd UpheldInsuranceDRN-3989287 The complaint Miss C and Mr W complain that QIC Europe Ltd (“QIC”) unfairly declined a claim under their legal expenses insurance (“LEI”) policy. Any reference to QIC includes respective agents and representatives. I’ll also largely refer to Mr W as he has led this claim. What ... (2 pages)View decision -
Decision Reference DRN-3983719
27 Feb 2023 AXA Insurance UK Plc UpheldInsuranceDRN-3983719 The complaint R, a limited company, has complained about the settlement offered by AXA Insurance UK Plc in settlement of its business interruption insurance claim. Mr G, a director of R, has brought the complaint on R’s behalf. What happened R runs a guest house which employs s... (5 pages)View decision -
Decision Reference DRN-3988845
27 Feb 2023 Pi Financial Ltd UpheldPensions and AnnuitiesDRN-3988845 The complaint Mr R complains about the advice he received from Pi Financial Ltd trading as Future Wealth Management (FWM) when he transferred a personal pension to a Self-Invested Personal Pension (SIPP). Mr R says his funds were subsequently invested in high-risk products whic... (14 pages)View decision -
Decision Reference DRN-3836929
27 Feb 2023 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3836929 The complaint Miss M complains that a car she acquired through a conditional sale agreement with Moneybarn No.1 Ltd (Moneybarn) wasn’t fit for purpose. She would like to reject the car and be refunded the payments she made whilst without use of the car. What happened The detail... (2 pages)View decision -
Decision Reference DRN-3989472
27 Feb 2023 Fortegra Europe Insurance Company Ltd UpheldInsuranceDRN-3989472 The complaint Miss Y is unhappy with the handling of a claim made under her furniture warranty underwritten by Fortegra Europe Insurance Company Ltd (Fortegra). What happened In February 2022 Miss Y made a claim to the administrator of her furniture warranty, underwritten by Fo... (3 pages)View decision -
Decision Reference DRN-3930061
27 Feb 2023 QIC Europe Ltd UpheldInsuranceDRN-3930061 The complaint Ms N complains about QIC Europe Ltd (QIC) declining a claim under her home insurance policy for damage to her property caused by bad weather. QIC use agents to administer the policy and to assess claims. Reference to QIC includes these agents. What happened In Feb... (7 pages)View decision -
Decision Reference DRN-3652527
27 Feb 2023 Metro Bank PLC UpheldConsumer CreditDRN-3652527 The complaint Ms A is unhappy that Metro Bank PLC allowed a fraudster to take out a loan in her name. What happened In July 2021, Ms A was introduced to a fraudster posing as an investment broker. She’s explained that having allowed him to remotely access her computer, he star... (2 pages)View decision -
Decision Reference DRN-3983770
27 Feb 2023 SERENITY FINANCIAL PLANNING LTD UpheldPensions and AnnuitiesDRN-3983770 The complaint Mr C has complained, through his representative, that Serenity Financial Planning Ltd gave him unsuitable advice to transfer his stakeholder pension to a self-invested personal pension (SIPP). He says there was no benefit in transferring. What happened I issued my... (7 pages)View decision -
Decision Reference DRN-3640693
27 Feb 2023 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-3640693 The complaint Ms C complains that Sainsbury’s Bank Plc (“Sainsbury’s”) hasn’t refunded the money she lost when she fell victim to a scam. 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