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 4196 results
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Decision Reference DRN0315128
3 Aug 2016 Liverpool Victoria Insurance Company Limited Not upheldInsurance (excluding PPI)Mr L, as a director of C, a limited company, complains that Liverpool Victoria Insurance Company Limited (“LV”) has refused the claim he’s made on C’s fleet insurance. The car he was driving wasn’t specifically listed on C’s policy at the time of the accident, but ... (2 pages)View decision -
Decision Reference DRN9998826
16 May 2013 Bank of Scotland Plc UpheldBanking and creditMr T complains that Halifax did not tell him that a default could be registered when he agreed to a repayment plan, and that it then told him that a default notice was just an update on his account.our initial conclusionsThe adjudicator recommended that Halifax should pay Mr T £... (2 pages)View decision -
Decision Reference DRN-4924713
3 Dec 2024 HSB Engineering Insurance Limited Not upheldInsuranceDRN-4924713 The complaint J, a limited company, has complained about HSB Engineering Insurance Limited. J approached HSB to provide a structural warranty for a building development, but HSB refused to provide cover. What happened J is a developer of properties. It seeks warranties for ... (2 pages)View decision -
Decision Reference DRN-3140430
5 Nov 2021 Skyfire Insurance Company Limited UpheldInsuranceDRN-3140430 The complaint Mr B’s complained that Skyfire Insurance Company Limited cancelled his car insurance policy through no fault of his own. All references in this decision to Skyfire include its appointed administrative agents. What happened Mr B applied for the policy via a compari... (4 pages)View decision -
Decision Reference DRN2366743
3 Aug 2020 AXA Insurance Designated Activity Company UpheldInsurance (excluding PPI)K821xAXA15 complaintMr C complained that AXA Insurance Designated Activity Company declined his claim on his car insurance policy.backgroundMr C took out an insurance policy with AXA via a broker. When his son, a named driver under the policy, had an accident in about August 2018, Mr C cla... (3 pages)View decision -
Decision Reference DRN1242628
19 May 2015 National Westminster Bank Plc Not upheldBanking and creditMr G complains about a car he bought and which was partially funded through his National Westminster Bank Plc credit card. He says the car was misrepresented to him and he was not told it had been pre-registered.background The complaint was considered by one of our ... (3 pages)View decision -
Decision Reference DRN-5013624
22 Nov 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5013624 The complaint A sole trader, who I’ll refer to as Mr W, complains that Barclays Bank UK PLC is unfairly pursuing him for a bounce back loan (“BBL”) applied for in the name of a limited company. What happened Mr W had had a business current account with Barclays in the tradin... (4 pages)View decision -
Decision Reference DRN-2867412
10 Jun 2021 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-2867412 The complaint Mr A and Mr B complain, as trustees of a trust, about the service they received from HSBC Bank UK Plc when setting up internet banking. What happened Mr A and Mr B are trustees of a trust that banks with HSBC. Mr A and Mr B approached HSBC with a view to setting u... (4 pages)View decision -
Decision Reference DRN-2715302
29 Jun 2021 Bank of Ireland (UK) Plc Not upheldMortgagesDRN-2715302 The complaint Mr and Mrs E have complained that, due to IT issues caused by Bank of Ireland (UK) Plc trading as Post Office Financial Services (referred to here as BOI), they missed out on their chosen mortgage interest rate product in September 2020 and had to take a new produ... (3 pages)View decision -
Decision Reference DRN3388652
24 Jan 2020 Amtrust Europe Limited UpheldInsurance (excluding PPI)Mr A complains that Amtrust Europe Limited declined his gadget insurance policy claim. My references to Amtrust include its agents.background Mr A’s camera and camera lens were damaged when he was involved in an attempted rescue. He claimed on his gadget insurance policy, insured by Amtrus... (4 pages)View decision
