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 124111 results
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Decision Reference DRN-5773119
22 Aug 2025 The Prudential Assurance Company Limited UpheldPensions and AnnuitiesDRN-5773119 The complaint Mr F is unhappy with the time it took for The Prudential Assurance Company Limited (Prudential) to transfer his personal pension away from them. What happened Mr F had a personal pension plan (PPP) with Prudential, the PPP had a guaranteed basic annuity (GBA).... (6 pages)View decision -
Decision Reference DRN-5275596
22 Aug 2025 RCI Financial Services Limited UpheldConsumer CreditDRN-5275596 The complaint Mr C is unhappy that a car supplied to him under a hire purchase agreement with RCI Financial Services Limited trading as Nissan Finance (‘Nissan Finance’) was of unsatisfactory quality. What happened The parties are familiar with the background details of this... (4 pages)View decision -
Decision Reference DRN-5568297
22 Aug 2025 Accredited Insurance (Europe) Ltd UpheldInsuranceDRN-5568297 The complaint Mr B and Mrs B complain about the price charged by Accredited Insurance (Europe) Ltd (“Accredited”) to renew their home insurance policy. Mr B has acted as the main representative during the complaint process. So, for ease of reference, I will refer to any act... (3 pages)View decision -
Decision Reference DRN-5301957
22 Aug 2025 St. James's Place Wealth Management Plc UpheldPensions and AnnuitiesDRN-5301957 The complaint Mrs K with the help of a claims management company (CMC), has complained about the advice she was given by St James’s Place Wealth Management Plc (“SJP”) in 2018 to invest in an SJP Retirement Account (“RA”). She has said the advice was unsuitable for her becau... (7 pages)View decision -
Decision Reference DRN-5640308
22 Aug 2025 GSI WEALTH MANAGEMENT LTD UpheldPensions and AnnuitiesDRN-5640308 The complaint Mr A complains about the advice given by GSI Wealth Management Ltd (‘GSI’) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a self-invested personal pension (‘SIPP’). He says the advice was unsuitable for him and will caus... (11 pages)View decision -
Decision Reference DRN-5772806
22 Aug 2025 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-5772806 The complaint Miss D complains Admiral Insurance (Gibraltar) Limited (Admiral) unfairly settled her claim on her motor insurance policy after her car was classed as a total loss. What happened Miss D made a claim on her motor insurance policy after her car was damaged by a t... (3 pages)View decision -
Decision Reference DRN-5771852
22 Aug 2025 Fluent Money Limited UpheldMortgagesDRN-5771852 The complaint Mr B and Miss O complain that Fluent Money Limited gave them bad advice when it recommended they should take a secured second charge loan. What happened In December 2022, Fluent Money gave Mr B and Miss O mortgage advice. It recommended that they should take ou... (8 pages)View decision -
Decision Reference DRN-5771731
22 Aug 2025 Equifinance Limited UpheldMortgagesDRN-5771731 The complaint Mr B and Miss O complain that Equifinance Limited lent to them irresponsibly. What happened In January 2023, following advice from a third party broker, Mr B and his daughter Miss O took out a secured loan with Equifinance. The loan was for £66,490 repayable ov... (5 pages)View decision -
Decision Reference DRN-5662951
22 Aug 2025 Watford Insurance Company Europe Limited UpheldInsuranceDRN-5662951 The complaint Mr S complains about the handling of his commercial motor insurance claim by Watford Insurance Company Europe Limited. Mr S is unhappy with the valuation placed on his vehicle after it was stolen. What happened Both parties are aware of the circumstances of thi... (3 pages)View decision -
Decision Reference DRN-5749218
22 Aug 2025 Tandem Motor Finance Limited UpheldConsumer CreditDRN-5749218 The complaint Mrs M complains that Tandem Motor Finance Limited (“TMF”) treated an overpayment she made in 2024 to her finance agreement, as part of a full settlement. This led to them taking unnecessary payments from her. Mrs M also says TMF has failed to provide an accurat... (6 pages)View decision
