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 125299 results
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Decision Reference DRN-3657535
21 Oct 2022 Portal Financial Services LLP UpheldPensions and AnnuitiesDRN-3657535 The complaint Ms T complains that Portal Financial Services LLP gave her unsuitable advice to transfer her personal pension to a Self-Invested Personal Pension (SIPP). What happened In 2013 Ms T spoke to Portal about her pension. Portal completed a fact-find and attitude to ris... (7 pages)View decision -
Decision Reference DRN-3591499
21 Oct 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3591499 The complaint Mr H has complained that HSBC UK Bank Plc mis-handled an international money transfer and that it has failed to itemise fees that have been charged for the process. What happened On 9 November 2020, Mr H made a transfer of $18,491.52 from his HSBC US dollars accou... (3 pages)View decision -
Decision Reference DRN-3733202
21 Oct 2022 AWP P&C SA UpheldInsuranceDRN-3733202 The complaint Mr B complains that AWP P&C SA declined a claim he made on his motor warranty. Reference to AWP includes its agents. What happened Mr B holds a motor warranty with AWP. When his car needed a repair to the subframe, he made a claim to AWP. AWP declined the clai... (2 pages)View decision -
Decision Reference DRN-3591497
21 Oct 2022 London Mutual Credit Union Limited UpheldConsumer CreditDRN-3591497 The complaint Ms O complains that London Mutual Credit Union Limited (“LMCU”) irresponsibly granted her credit that she couldn’t afford to repay. What happened LMCU approved several loans, and payday loans, for Ms O between May 2013 and October 2014. I’ve summarised those loans... (3 pages)View decision -
Decision Reference DRN-3736449
21 Oct 2022 U K Insurance Limited UpheldInsuranceDRN-3736449 The complaint Mrs P complains that U K Insurance Limited (UKI) didn’t offer her the market value for her car following a claim made on her motor insurance policy. What happened Mrs P’s car was deemed to be a total loss following an accident. The car was on contract hire and UK... (2 pages)View decision -
Decision Reference DRN-3253672
21 Oct 2022 Portafina Investment Management Limited UpheldPensions and AnnuitiesDRN-3253672 The complaint Mr M complained about the advice he was given by Portafina Investment Management Limited to transfer his defined benefit occupational pension to a flexi-access income drawdown pension. What happened In 2018 Mr M approached Portafina to get some financial advice. O... (6 pages)View decision -
Decision Reference DRN-3764015
21 Oct 2022 Advantage Insurance Company Limited UpheldInsuranceDRN-3764015 The complaint Mr C complains about the settlement that Advantage Insurance Company Limited offered him after he made a claim on his motor insurance policy. He wants this increased. What happened Mr C’s car was stolen and not recovered, and he made a claim on his policy. Advanta... (2 pages)View decision -
Decision Reference DRN-3739758
21 Oct 2022 Aviva Insurance Limited UpheldInsuranceDRN-3739758 The complaint Mr T has complained that Aviva Insurance Limited trading as Quotemehappy.com failed to explain why it didn’t provide a full refund of his premium when agreed under his home insurance policy and provided a poor service. What happened Mr T contacted his insurer Aviv... (2 pages)View decision -
Decision Reference DRN-3729100
21 Oct 2022 Morses Club PLC UpheldConsumer CreditDRN-3729100 The complaint Mr P complains (through a representative) that Morses Club PLC (Morses) didn’t carry out proper affordability checks before it advanced his loans. Had it done so, Morses would’ve realised Mr P couldn’t afford his repayments. What happened Mr P took three loans bet... (5 pages)View decision -
Decision Reference DRN-3766019
21 Oct 2022 Berkshire Hathaway International Insurance Ltd UpheldInsuranceDRN-3766019 The complaint Mr B complains that Berkshire Hathaway International Insurance Ltd (“BHI”) unfairly cancelled his motor insurance policy. Where I refer to BHI, I refer to the above-named company and I include the intermediary and others insofar as I hold BHI responsible for their... (3 pages)View decision
