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 4790 results
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Decision Reference DRN6918984
13 May 2016 Welcome Financial Services Limited Not upheldBanking and creditMr O complains that Welcome Financial Services Limited made a mistake when it arranged for a county court judgment (CCJ) to be issued against him.backgroundMr O says that Welcome Finance arranged for a CCJ to be issued against him. But his son owed the debt, not him. O... (2 pages)View decision -
Decision Reference DRN2913115
27 Sep 2013 Bank of Scotland Plc UpheldBanking and creditMr R complains that Bank of Scotland plc (trading as Halifax) has mishandled his account. In particular, he complains that Halifax passed his account to recoveries and defaulted it while he was keeping to an agreed payment plan. The bank also kept sending him letters which, at the relev... (2 pages)View decision -
Decision Reference DRN-3956999
20 Feb 2023 Tradex Insurance Company Limited Not upheldInsuranceDRN-3956999 The complaint Mr R has complained about Tradex Insurance Company Limited’s decision to reject a claim he made under his taxi insurance policy. All reference to the insurer Tradex in my decision includes its agents. What happened Mr R bought a taxi insurance policy with Tradex t... (2 pages)View decision -
Decision Reference DRN-3521407
24 Jun 2022 Royal & Sun Alliance Insurance Limited Not upheldInsuranceDRN-3521407 The complaint Mr W complains that Royal & Sun Alliance Insurance plc mishandled a motor insurance policy. Where I refer to RSA, I include employees and others insofar as I hold RSA responsible for their acts or omissions. What happened Mr W was eligible for a vehicle on con... (2 pages)View decision -
Decision Reference DRN-1631994
15 Dec 2020 Policy Administration Services Ltd Not upheldInsuranceDRN-1631994 The complaint Ms W is unhappy that a broker Policy Administration Services T/A Phones 4u Care (PAS) won’t refund her premiums for her mobile phone insurance policy. Ms W said she never wanted the policy. What happened Ms W bought a mobile phone in a shop and along with the phon... (2 pages)View decision -
Decision Reference DRN9069585
24 Jul 2015 Bristol Street Fourth Investments Limited Not upheldBanking and creditMr C complains that Bristol Street Fourth Investments Limited mis-sold him a finance agreement. He says the interest should have been 0% APR, but later discovered that it was 19.5% APR.backgroundMr C entered a fixed sum loan agreement to purchase a car for his daughter... (2 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-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 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