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 125400 results
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Decision Reference DRN-5129817
8 Nov 2024 Bank Of Baroda (UK) Limited UpheldBanking and PaymentsDRN-5129817 The complaint Mr W complains Bank Of Baroda (UK) Limited (“BoB”) closed his accounts without notifying him. And that BoB didn’t reactivate and keep the accounts open to allow him to make alternative banking arrangements when he found out about the closures - despite providin... (7 pages)View decision -
Decision Reference DRN-4994500
8 Nov 2024 Ageas Insurance Limited UpheldInsuranceDRN-4994500 The complaint Mr G and Mrs M complain about Ageas Insurance Limited’s decision to decline a claim for a stolen watch. What happened The background to this complaint is very well known to both parties, so I’ll provide only a brief summary here, concentrating on the key issues... (4 pages)View decision -
Decision Reference DRN-5093813
8 Nov 2024 Evolution Insurance Company Limited UpheldInsuranceDRN-5093813 The complaint Mr J has complained about his boiler warranty insurer Evolution Insurance Company Limited because it has refused to consider a claim under his warranty for his broken boiler. Mr J has cover with Evolution for service and repair of his heating system. Mr J had ... (3 pages)View decision -
Decision Reference DRN-5022369
8 Nov 2024 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-5022369 The complaint 1. Mrs R’s complaint is, in essence, that Mitsubishi HC Capital UK Plc, trading as Novuna Consumer Finance (“Novuna”) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under s.140A of the Consumer Credit Act 1974 (“CCA... (32 pages)View decision -
Decision Reference DRN-5062585
8 Nov 2024 Covea Insurance plc UpheldInsuranceDRN-5062585 The complaint Mr M has complained about the total loss settlement Covea Insurance plc reached to settle a claim he made under his car insurance policy. He also complains that Covea unfairly applied a deduction to the settlement for misrepresentation. What happened Mr M bough... (3 pages)View decision -
Decision Reference DRN-5130376
8 Nov 2024 AA Underwriting Insurance Company Limited UpheldInsuranceDRN-5130376 The complaint Mrs M has complained about how AA Underwriting Insurance Company Limited (AA) dealt with a claim under a home insurance policy. What happened Mrs M contacted AA to make a claim following a water leak at her home. AA started to deal with the claim. Mrs M later ... (3 pages)View decision -
Decision Reference DRN-5133964
8 Nov 2024 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5133964 The complaint Mrs J is complaining about Bank of Scotland plc trading as Halifax because she says she experienced issues with its app that meant she couldn’t download credit card statements and that this led to her incurring interest she wouldn’t otherwise have had to pay. S... (3 pages)View decision -
Decision Reference DRN-5133627
8 Nov 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5133627 The complaint Mr T is unhappy that HSBC UK Bank Plc (HSBC) wont refund him for money he lost to an investment that he considers was a scam. What happened Mr T says he was introduced to an investment opportunity in a trading platform (I will refer to as S) by a close friend. ... (9 pages)View decision -
Decision Reference DRN-5126637
8 Nov 2024 West Bay Insurance Plc UpheldInsuranceDRN-5126637 The complaint Mr C has complained about the way West Bay Insurance Plc dealt with a claim he made for damage under his car insurance policy. Mr C also complained about delays and poor communication. What happened In May 2023 Mr C reported that his car had suffered damage whi... (6 pages)View decision -
Decision Reference DRN-4677762
8 Nov 2024 Watford Insurance Company Europe Limited UpheldInsuranceDRN-4677762 The complaint A company, which I’ll refer to as T, complains that Watford Insurance Company Europe Limited (WIC) unfairly cancelled its insurance policy. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief over... (4 pages)View decision
