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-3818297
27 Jan 2023 Gallium Fund Solutions Limited UpheldInvestmentsDRN-3818297 The complaint Mrs K complains she was mis-sold an investment bond (held in an ISA wrapper) by Basset Gold Limited (“BG Ltd”) an appointed representatives of Gallium Fund Solutions Limited (“Gallium”). She says she has lost all of her money as a result of poor performance of the... (26 pages)View decision -
Decision Reference DRN-3891063
27 Jan 2023 Zopa Bank Limited UpheldConsumer CreditDRN-3891063 Complaint Mr W has complained about a loan Zopa Bank Limited (trading as “Zopa”) provided to him. He says the loan was unaffordable and was therefore irresponsibly lent to him. Background Zopa provided Mr W with a loan for £10,000.00 in April 2021. This loan had an APR of 16.7%... (3 pages)View decision -
Decision Reference DRN-3860165
26 Jan 2023 Advantage Insurance Company Limited UpheldInsuranceDRN-3860165 The complaint Mrs K is unhappy with Advantage Insurance Company Limited’s handling of a claim she made on her car insurance policy. References to Advantage include its agents acting on its behalf. Mrs K is the policyholder and is represented by Mr S. For ease, I’ve referred to... (3 pages)View decision -
Decision Reference DRN-3652922
26 Jan 2023 JLT Wealth Management Limited UpheldPensions and AnnuitiesDRN-3652922 The complaint Mr F complains about advice he was given to transfer the benefits of a defined-benefit (DB) occupational pension scheme (OPS) to a personal pension plan. He says the advice was unsuitable for him and believes this has caused him a financial loss. JLT Wealth Manage... (8 pages)View decision -
Decision Reference DRN-3731412
26 Jan 2023 Amtrust Europe Limited UpheldInsuranceDRN-3731412 The complaint F and F, a company, complain about Amtrust Europe Limited’s handling of their legal expenses insurance claim. All references to Amtrust in this decision include their claims handlers. What happened F and F occupied business premises under a sublease with A. A’s la... (3 pages)View decision -
Decision Reference DRN-3713543
26 Jan 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3713543 The complaint Mr D complains that NewDay Ltd (‘NewDay’) wrongly increased his credit limit when this was not affordable for him. What happened Mr D took out a credit card with NewDay in August 2018. NewDay says that he told them that he earned £12,000 per year and had unsecure... (4 pages)View decision -
Decision Reference DRN-3927328
26 Jan 2023 Santander UK Plc UpheldBanking and PaymentsDRN-3927328 The complaint Mr R complains that Santander UK Plc won’t refund a payment he made for goods using his credit card. What happened In June 2021, Mr R purchased some machinery online using his Santander credit card. The cost of the machinery was £279.98. Around two months later th... (3 pages)View decision -
Decision Reference DRN-3726416
26 Jan 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3726416 The complaint Mr T complains that Lloyds Bank PLC (‘Lloyds’) unfairly failed to extend a repayment plan in relation to his overdraft. What happened Mr T held an account with the bank which included an overdraft facility. He was made redundant from his work, and made use of the... (5 pages)View decision -
Decision Reference DRN-3928515
26 Jan 2023 Amtrust Europe Limited UpheldInsuranceDRN-3928515 The complaint Mr L has complained about Amtrust Europe Limited’s decision to turn down his claim under his Hire and Repair Costs (HRC) insurance policy. What happened Mr L was involved in an accident and called his motor insurer to make a claim under his policy for the damage t... (3 pages)View decision -
Decision Reference DRN-3813013
26 Jan 2023 Amtrust Europe Limited UpheldInsuranceDRN-3813013 The complaint Mr S and Miss C complain that Amtrust Europe Limited has unfairly declined a claim under their legal expenses insurance policy. Where I refer to Amtrust, this includes its agents and claims handlers. What happened Mr S and Miss C made a claim on their policy to pu... (2 pages)View decision