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-5838128
30 Sep 2025 Radcliffe & Company (Life & Pensions) Limited UpheldPensions and AnnuitiesDRN-5838128 The complaint Mrs H complains that Radcliffe & Company (Life & Pensions) Limited (Radcliffe) gave her unsuitable advice to transfer her Occupational Pension Scheme (OPS) benefits and her Group Personal Pension into a Self-Invested Personal Pension scheme. She thinks ... (4 pages)View decision -
Decision Reference DRN-5806102
30 Sep 2025 Tesco Personal Finance Limited UpheldBanking and PaymentsDRN-5806102 The complaint Miss H complains about Tesco Personal Finance Limited’s actions in relation to dealing with her financial difficulties. She doesn’t think it has had proper regard for her vulnerabilities. What happened Miss H describes that she got into financial difficulty in ... (3 pages)View decision -
Decision Reference DRN-5848112
30 Sep 2025 INTACT INSURANCE UK LIMITED UpheldInsuranceDRN-5848112 The complaint Mr B complains that INTACT INSURANCE UK LIMITED has unfairly declined a claim under his pet insurance policy. Where I refer to Intact, this includes the actions of its agents and claims handlers for which it takes responsibility. What happened The detailed ba... (4 pages)View decision -
Decision Reference DRN-5840539
30 Sep 2025 FIRST RESPONSE FINANCE LIMITED UpheldConsumer CreditDRN-5840539 The complaint Mr W complains about a car supplied to him using a hire purchase agreement taken out with First Response Finance Limited (“FRFL”). What happened In August 2023, Mr W acquired a used car using a hire purchase agreement with FRFL. The car was over eight years ol... (5 pages)View decision -
Decision Reference DRN-5649837
30 Sep 2025 RCI Financial Services Limited UpheldConsumer CreditDRN-5649837 The complaint Miss K complains that she wasn’t treated fairly by RCI Financial Services Limited trading as Mobilize Financial Services (“Mobilize”) while trying to take out finance for the balloon payment on her car. What happened Miss K was coming to the end of her finance ... (3 pages)View decision -
Decision Reference DRN-5571242
30 Sep 2025 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5571242 The complaint Mr G is bringing a complaint against HSBC UK Bank Plc, after it decided not to refund him, following his scam claim. What happened Mr G says a builder – S, turned up at his door and told him work needed doing to his house at a cost of £800. When the work comme... (5 pages)View decision -
Decision Reference DRN-5265612
30 Sep 2025 Amazon Payments UK Limited UpheldBanking and PaymentsDRN-5265612 The complaint A company I’ll call M complains that Amazon Payments UK Limited (APUK) blocked its account for an extended period of time, meaning M wasn’t able to make sales via its Amazon selling account. To put things right, M wants APUK to compensate it for the losses it ... (3 pages)View decision -
Decision Reference DRN-5851475
30 Sep 2025 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5851475 The complaint Mr M complains HSBC UK Bank Plc (“HSBC”) didn’t do enough to protect him when he fell victim to a scam and complains about the service received when he reported the scam. Mr M has raised the complaint via a personal representative, in the main I’ll refer to Mr... (3 pages)View decision -
Decision Reference DRN-5826562
30 Sep 2025 Advantage Insurance Company Limited UpheldInsuranceDRN-5826562 The complaint Mr T complains Advantage Insurance Company Limited (Advantage) cancelled his motor insurance policy unfairly. What happened The details of this complaint are well-known to both parties, so I won’t repeat them here. Instead, I will focus on the reasons for my de... (2 pages)View decision -
Decision Reference DRN-5628790
30 Sep 2025 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5628790 The complaint Mr W complains that HSBC UK Bank Plc misinformed him when he requested information about his current account. What happened In 2023, Mr W raised a separate complaint about irresponsible lending with HSBC, and brought it to our service. He said that to support ... (3 pages)View decision
