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-3981636
22 Feb 2023 U K Insurance Limited UpheldInsuranceDRN-3981636 The complaint Mr B complains about the way U K Insurance Limited (“UKI”) responded to a claim on his home emergency cover. References to UKI include it, and its agents. And as Mr B is represented by his wife, Mrs C, for ease, I’ll refer to Mr B and Mrs C’s actions collectively ... (3 pages)View decision -
Decision Reference DRN-3981200
22 Feb 2023 Assurant General Insurance Limited UpheldInsuranceDRN-3981200 The complaint Mr C complains about Assurant General Insurance’s Limited’s handling of a claim made under his gadget insurance after he lost his mobile phone. What happened The background to this complaint is well known to both parties, so I’ll provide only a brief summary here.... (4 pages)View decision -
Decision Reference DRN-3977671
22 Feb 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3977671 The complaint Mr and Mrs T complain they were victims of an investment scam and that Barclays Bank UK PLC didn’t do enough to protect that from happening or to help them get their money back. What happened Mr and Mrs T were looking for investment opportunities and came into con... (5 pages)View decision -
Decision Reference DRN-3981858
22 Feb 2023 Klarna Bank AB (publ) UpheldBanking and PaymentsDRN-3981858 The complaint Mr D complains that Klarna Bank AB (publ) (“Klarna Bank”) changed the repayment options on his Klarna Bank card in 2022, so that he could not use a credit card to make repayments. What happened Mr D applied and was accepted for a Klarna Bank card to use for his p... (3 pages)View decision -
Decision Reference DRN-3907957
22 Feb 2023 Financial Administration Services Limited UpheldPensions and AnnuitiesDRN-3907957 The complaint Mr B complains that Financial Administration Services Limited (trading as Fidelity) has acted unfairly in arranging the sale of some of his pension investments without his agreement. What happened I issued a provisional decision on this complaint in December 2022.... (7 pages)View decision -
Decision Reference DRN-3641059
22 Feb 2023 Oodle Financial Services Limited UpheldConsumer CreditDRN-3641059 The complaint Mr B complains about the service received from Oodle Financial Services Limited trading as Oodle Car Finance (Oodle) when he was in financial difficulty. What happened Mr B entered into a hire purchase agreement with Oodle to acquire a used car in October 2019. Oo... (4 pages)View decision -
Decision Reference DRN-3963086
22 Feb 2023 Oplo PL Ltd UpheldConsumer CreditDRN-3963086 The complaint Ms D says Oplo PL Ltd, trading as 1st Stop Personal Loans, irresponsibly lent to her. What happened Ms D took out a 30-month instalment loan from Oplo on 14 February 2018. It was for £3,000 and the monthly repayments were £137.20 The total repayable was £4,116. Ms... (4 pages)View decision -
Decision Reference DRN-3981348
22 Feb 2023 Calpe Insurance Company Limited UpheldInsuranceDRN-3981348 The complaint Mr S complained because Calpe Insurance Company Limited (Calpe) declined a claim he made on his motor insurance policy. Calpe is the underwriter of this policy ie the insurer. Part of this complaint concerns the actions of a company, I’ll call X, who are the admin... (4 pages)View decision -
Decision Reference DRN-3655024
22 Feb 2023 Gain Credit LLC UpheldConsumer CreditDRN-3655024 The complaint Mr B complains that Gain Credit LLC, trading as Drafty, lent to her and then raised the credit limit when she could not afford it. What happened Briefly, Miss T applied for a credit facility of £1,000 in January 2019. In April 2019 the credit limit was raised to £... (3 pages)View decision -
Decision Reference DRN-3980448
22 Feb 2023 Wesleyan Financial Services Ltd UpheldPensions and AnnuitiesDRN-3980448 The complaint Mr P complains about the advice Wesleyan Financial Services Ltd gave to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a personal pension. He says the advice was unsuitable for him and believes this has caused a financial loss... (6 pages)View decision