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 121668 results
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Decision Reference DRN-5291367
28 Jan 2025 Quilter Wealth Ltd UpheldPensions and AnnuitiesDRN-5291367 The complaint Mr S is represented. His complaint relates to the following firms – Aqua Financial Services Ltd (‘Aqua’) – the firm who recommended a pension switch to him in 2019; in the main, he says the pension switch was unsuitable, and he seeks redress (including a ful... (14 pages)View decision -
Decision Reference DRN-5251899
28 Jan 2025 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-5251899 The complaint Mr D complains that Options UK Personal Pensions LLP (‘Options’ - formerly Carey Pensions) accepted his investment into a self-invested personal pension (‘SIPP’) when, he says, it shouldn’t have accepted business from the business who introduced him to Options;... (44 pages)View decision -
Decision Reference DRN-5292906
28 Jan 2025 Yorsipp Limited UpheldPensions and AnnuitiesDRN-5292906 The complaint Mr T complains the Yorsipp Limited (‘Yorsipp’) Self-Invested Personal Pension (‘SIPP’) that was opened for him in 2013, and the investments made within it, were unsuitable for him. And that Yorsipp didn’t carry out adequate due diligence on the adviser that int... (40 pages)View decision -
Decision Reference DRN-5292812
28 Jan 2025 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5292812 The complaint Mr M has complained that Barclays Bank UK PLC (“Barclays”) failed to protect him from falling victim to a cryptocurrency investment scam. What happened Earlier this month I issued a provisional decision (“PD”) setting out why I was intending to uphold Mr M’s co... (6 pages)View decision -
Decision Reference DRN-5227643
28 Jan 2025 Watford Insurance Company Europe Limited UpheldInsuranceDRN-5227643 The complaint Mr S complains about how Watford Insurance Company Europe Limited (“Watford”) unfairly declined his claim when his car was stolen. What happened Mr S has a motor insurance policy with Watford. The policy renewed in June 2023. In September 2023 Mr S... (3 pages)View decision -
Decision Reference DRN-5239320
28 Jan 2025 Accredited Insurance (Europe) Ltd UpheldInsuranceDRN-5239320 The complaint Mr and Mrs G have complained that Accredited Insurance (Europe) Ltd (AIE) unfairly and unreasonably refused to pay their claim for the theft of their car under their motor policy because it believed the car had been left unlocked. Mr G is the policyholder here... (7 pages)View decision -
Decision Reference DRN-4734914
28 Jan 2025 Revolut Ltd UpheldBanking and PaymentsDRN-4734914 Complaint Mr B is unhappy that Revolut Ltd didn’t reimburse him after he fell victim to a scam. Background On 8 April 2023, Mr B received a call from an individual who claimed to be an employee of a bank which I’ll refer to as Bank H. Mr B holds his own main bank account wit... (7 pages)View decision -
Decision Reference DRN-5274179
28 Jan 2025 National House-Building Council UpheldInsuranceDRN-5274179 The complaint Mr H and Ms B complain about the way National House-Building Council (NHBC) handled a claim they made under their new home warranty. Mr H has primarily dealt with things so, for simplicity, I’ll refer to him only. What happened The circumstances aren’t in dis... (4 pages)View decision -
Decision Reference DRN-5242014
28 Jan 2025 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-5242014 The complaint Mr F’s complaint is, in essence, that Clydesdale Financial Services Limited, trading as Barclays Partner Finance, (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Cred... (19 pages)View decision -
Decision Reference DRN-5292396
28 Jan 2025 Mi Vehicle Finance Limited UpheldConsumer CreditDRN-5292396 The complaint Mr W is unhappy that a van supplied to him under a hire purchase agreement with MI Vehicle Finance Limited (MIVF) was of an unsatisfactory quality. When I refer to what Mr W has said and what MIVF have said, it should also be taken to include things said on th... (7 pages)View decision
