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 119592 results
-
Decision Reference DRN-3318066
18 Feb 2022 Liverpool Victoria Insurance Company Limited UpheldInsuranceDRN-3318066 The complaint Mr R is complaining that Liverpool Victoria Insurance Company Limited (LV) has refused to meet a claim he made for storm damage to his property, and has treated his claim as fraudulent, with all the negative impact that could have for him going forwards. What happ... (4 pages)View decision -
Decision Reference DRN-3058381
18 Feb 2022 Carcashpoint Limited UpheldConsumer CreditDRN-3058381 The complaint Mr K complains that CarCashPoint Limited (CCP) made an irresponsible lending decision when it provided him with a loan in 2014. What happened In October 2014, Mr K took out a loan for £2060 secured against his vehicle with an annual rate of interest of 213.82%. Th... (3 pages)View decision -
Decision Reference DRN-3322351
18 Feb 2022 Black Horse Limited UpheldConsumer CreditDRN-3322351 The complaint Mrs P complains about the quality of a car she acquired through a hire purchase agreement financed by Black Horse Limited. Mrs P is being represented in this complaint by her daughter, Miss P. But for ease of reference I’ll refer to Mrs P directly throughout my de... (4 pages)View decision -
Decision Reference DRN-3314437
18 Feb 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3314437 Complaint Mrs M has complained that HSBC UK Bank Plc (“HSBC”) unfairly increased the interest rate on her overdraft. She’s also complained that HSBC had previously been charging her even when she was in financial difficulty. Background One of our adjudicators looked at Mrs M’s ... (2 pages)View decision -
Decision Reference DRN-3258730
17 Feb 2022 Aviva Insurance Limited UpheldInsuranceDRN-3258730 The complaint Mr and Mrs R complain that Aviva Insurance Limited (“Aviva”) unfairly declined their claim for legal expenses insurance. Aviva uses intermediaries to administer its legal expenses insurance and manage claims on its behalf, so any reference to the insurer within th... (2 pages)View decision -
Decision Reference DRN-3281528
17 Feb 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3281528 The complaint Mr B is unhappy that Lloyds Bank PLC hasn’t refunded him after he fell victim to an impersonation scam. What happened I’ve discussed the circumstances of this complaint with both parties and each is fully aware of the details of it. As such I don’t intend to repea... (4 pages)View decision -
Decision Reference DRN-3203335
17 Feb 2022 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3203335 The complaint Mr N complains that a car he acquired via a conditional sale agreement with Moneybarn No.1 Limited wasn’t of satisfactory quality. He would like the cost of repairs to be covered by Moneybarn No. 1 Limited. What happened In August 2019 Mr N entered into a 59-month... (4 pages)View decision -
Decision Reference DRN-3301964
17 Feb 2022 Soteria Insurance Limited UpheldInsuranceDRN-3301964 The complaint Ms G complains about Soteria Insurance Limited’s handling of a claim under her home insurance policy. What happened At the relevant times, Ms G had home insurance underwritten by Soteria. This covered damage to her buildings, amongst other things. Ms G made a clai... (4 pages)View decision -
Decision Reference DRN-3090277
17 Feb 2022 Union Reiseversicherung AG UpheldInsuranceDRN-3090277 The complaint Mr and Mrs F are unhappy about the way Union Reiseversicherung AG (‘URV’) has handled their travel insurance claim. All references to URV include its representatives and cost containment agents. What happened Mr and Mrs F bought a travel insurance policy underwrit... (5 pages)View decision -
Decision Reference DRN-3281691
17 Feb 2022 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-3281691 The complaint Mr and Mrs B complain about the way Royal & Sun Alliance Insurance Limited (RSA) handled a claim for storm damage to their property under their home insurance policy. Reference to RSA includes its agents. What happened Mr and Mrs B have a home contents and bui... (4 pages)View decision
