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
-
Decision Reference DRN-3737300
18 Jan 2023 HDI Global Specialty SE UpheldInsuranceDRN-3737300 The complaint Ms H, Mr T, and Miss T complain that HDI Global Specialty SE caused delays in dealing with a claim under their landlord insurance policy, and subsequently declined cover. Where I refer to HDI, this includes its agents and claims handlers. For ease of reading, I’ll... (2 pages)View decision -
Decision Reference DRN-3882258
18 Jan 2023 Watford Insurance Company Europe Limited UpheldInsuranceDRN-3882258 The complaint Mr U has complained about his car insurer Watford Insurance Company Europe Limited because it declined liability to him for an injury claim from a pedestrian, then, having settled the pedestrian’s claim, asked him to reimburse it over £90,000 being its outlay less... (3 pages)View decision -
Decision Reference DRN-3555747
18 Jan 2023 Makemson & Company Limited UpheldPensions and AnnuitiesDRN-3555747 The complaint Mr T complained that he was given unsuitable advice to transfer his defined benefit (DB) British Steel Pension Scheme (BSPS), to a personal pension plan. Makemson & Company Limited is responsible for answering this complaint and so to keep things consistent, I... (12 pages)View decision -
Decision Reference DRN-3908606
18 Jan 2023 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-3908606 The complaint Mrs M is unhappy with charges she was invoiced for by BMW Financial Services(GB) Limited (‘BMWFS’) when she decided to voluntarily terminate (‘VT’) her agreement. What happened In October 2017 Mrs M acquired a used car funded by a hire purchase agreement taken wit... (5 pages)View decision -
Decision Reference DRN-3723793
18 Jan 2023 Vitality Health Limited UpheldInsuranceDRN-3723793 The complaint Mr A has complained about Vitality Health Limited’s decision to reject his claim under his private medical insurance policy. What happened Mr A had a private medical insurance policy with Vitality which started in July 2019. He made a claim under the policy in Nov... (4 pages)View decision -
Decision Reference DRN-3901430
18 Jan 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3901430 The complaint Mr N complains that Barclays Bank UK PLC trading as Barclaycard was irresponsible in its lending to him. What happened Mr N applied for a Barclaycard in September 2017 and was provided with an account with a £6,000 credit limit. The credit limit was increased to £... (4 pages)View decision -
Decision Reference DRN-3882667
18 Jan 2023 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3882667 The complaint Mrs H complains that the car she acquired through a hire purchase agreement with Creation Consumer Finance Ltd (CCF) wasn’t of satisfactory quality and the mileage was misrepresented. What happened Mrs H entered into a hire purchase agreement with CCF in February ... (5 pages)View decision -
Decision Reference DRN-3906236
18 Jan 2023 Alwyn Insurance Company Limited UpheldInsuranceDRN-3906236 The complaint Mrs D and Mr D complain Alwyn Insurance Company Limited wrongly declined their claim for cover under their legal expenses insurance policy. Where I refer to Alwyn this includes their agents and claims handlers acting on their behalf. What happened In October 2016 ... (4 pages)View decision -
Decision Reference DRN-3671938
18 Jan 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3671938 The complaint Mr S complains that National Westminster Bank Plc blocked payments from his account and the service he subsequently received. What happened In June 2021 Mr S initiated some payments from his account with NatWest to an account he held with another bank. These paym... (3 pages)View decision -
Decision Reference DRN-3900442
18 Jan 2023 Legal & General Partnership Services Limited UpheldMortgagesDRN-3900442 The complaint Mr and Mrs P say Legal & General Partnership Services Limited (“Legal & General”) mis- sold them a mortgage. They say they shouldn’t have been advised to consolidate an unsecured car loan onto their mortgage debt as by doing so they are paying extra intere... (4 pages)View decision