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-3630525
23 Feb 2023 Gain Credit LLC UpheldConsumer CreditDRN-3630525 The complaint Mr B complains Gain Credit LLC (trading as Drafty) gave him a line of credit he couldn’t afford to repay because at the time Mr B was spending significant amounts of money gambling. What happened Mr B approached Drafty for a running credit facility in September 20... (4 pages)View decision -
Decision Reference DRN-3734736
23 Feb 2023 Gain Credit LLC UpheldConsumer CreditDRN-3734736 The complaint Mr L took two credit facilities from Gain Credit LLC, trading as Drafty, and he complains 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 happened These credit facilities... (4 pages)View decision -
Decision Reference DRN-3958776
22 Feb 2023 Covea Insurance plc UpheldInsuranceDRN-3958776 The complaint Mrs F is unhappy with Covea Insurance plc’s valuation of her car when she made a claim on her motor insurance policy. Mrs F is represented by her son Mr F. For ease I’ve referred to comments made by Mr F as being made by Mrs F. What happened Mrs F says a third-par... (4 pages)View decision -
Decision Reference DRN-3976549
22 Feb 2023 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3976549 The complaint Mr O complains Bank of Scotland, trading as Halifax, blocked his account without warning or reason. To put things right, Mr O wants Lloyds to compensate him for his loss, and the trouble and upset its caused. To keep things simple, I’ll refer to Halifax in my deci... (5 pages)View decision -
Decision Reference DRN-3881381
22 Feb 2023 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-3881381 The complaint Mr C complains about how Royal & Sun Alliance Insurance Limited trading as RSA dealt with his claim on his home insurance. Mr C is the policyholder, but he has been represented by his son throughout this claim and complaint. However for ease of reading I’ve r... (4 pages)View decision -
Decision Reference DRN-3982733
22 Feb 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3982733 The complaint Mr S complains Barclays Bank UK PLC trading as Barclaycard won’t let him make a payment to clear one of his credit card accounts. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant ele... (8 pages)View decision -
Decision Reference DRN-3980799
22 Feb 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3980799 The complaint Mr M complains that Options UK Personal Pensions LLP (“Options” - formerly Carey Pensions) accepted his investment into a self-invested personal pension (SIPP) when, he says, it shouldn’t have accepted business from the business who introduced him to Options; Cale... (46 pages)View decision -
Decision Reference DRN-3964164
22 Feb 2023 IG Markets Limited UpheldInvestmentsDRN-3964164 The complaint Mr M bought shares in a Special Purpose Acquisition Company (SPAC) via IG's platform. When he decided he wanted to redeem his shares in the SPAC, he was told IG didn't offer this option. As a result, he claims he has been caused a financial loss. What ha... (5 pages)View decision -
Decision Reference DRN-3982662
22 Feb 2023 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3982662 The complaint Mr R has complained that Bank of Scotland plc trading as Halifax recorded adverse information on his credit file. What happened The details of the complaint are well known to both parties, so I will not repeat them again here. Instead, I will focus on giving the r... (2 pages)View decision -
Decision Reference DRN-3695997
22 Feb 2023 QBE UK Limited UpheldInsuranceDRN-3695997 The complaint A limited company I’ll call V has complained that QBE UK Limited trading as QBE unfairly turned down its business interruption insurance claim after it incurred increased costs of working during the Covid-19 pandemic. Mr P has brought the complaint on V’s behalf. ... (4 pages)View decision