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 DRN2593093
30 Apr 2019 Allianz Insurance Plc Not upheldInsurance (excluding PPI)Mr R complains about the level of cover provided by Allianz Insurance Plc (Allianz).backgroundMr R held a warranty policy with Allianz. After his vehicle had reached 100,000 miles on the clock the level of cover reduced to exclude claims relating to wear and tear. Mr ... (2 pages)View decision -
Decision Reference DRN3362299
23 May 2013 Bank of Scotland Plc UpheldBanking and creditMrs L has complained about the service that she has received from Bank of Scotland plc (trading as Halifax) following the death of her husband in 2008.background Mrs L holds a mortgage and a secured loan with Halifax. Originally these were in the joint names of Mrs L and her late hus... (2 pages)View decision -
Decision Reference DRN8289978
9 Sep 2016 Catalyst Housing Group Limited Not upheldBanking and creditMs K complains that Catalyst Housing Group Limited will not allow her to buy out its interest if she pays the original value of the loan.backgroundMs K has a repayment mortgage with another lender and an equity loan with Catalyst on her house. She believes that as i... (2 pages)View decision -
Decision Reference DRN0685792
18 Mar 2015 Cabot Financial (Europe) Limited Not upheldBanking and creditIn summary, Mr D complains about adverse information which was added to his credit file in respect of a debt currently owned by Cabot Financial (Europe) Limited. He says that this has meant he lost out on a mortgage offer and it has caused him a great deal of distre... (2 pages)View decision -
Decision Reference DRN9773471
20 Mar 2014 Zurich Insurance PLC Not upheldInsurance (excluding PPI)Mr Q complains that Zurich Insurance plc cancelled his motor insurance policy. He says that – after a claim on that policy – Zurich charged him £150 extra for another policy.backgroundMr Q took out a policy online and paid an annual premium of about £268. Zurich later cancelled it. Mr Q t... (2 pages)View decision -
Decision Reference DRN-4338715
27 Oct 2023 U K Insurance Limited UpheldInsuranceDRN-4338715 The complaint Mr M has complained about his van insurer U K Insurance Limited (UKI) regarding a claim he made when his van was stolen. This complaint is about poor service and resultant financial loss. There is a separate complaint considering Mr M’s concerns about the market v... (3 pages)View decision -
Decision Reference DRN7742907
22 Jun 2020 Ald Automotive Limited UpheldBanking and creditMr B complains about the amount that he will be charged by ALD Automotive Limited when he returns his car at the end of his hire agreement.backgroundA new car was supplied to Mr B under a hire agreement with ALD Automotive that he signed in July 2018. The agreement was for three years and ... (2 pages)View decision -
Decision Reference DRN5846036
14 Sep 2016 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs E says Bank of Scotland plc (“BoS”) mis-sold her a payment protection insurance (“PPI”) policy. Mrs E has used a claims management company (“CMC”) to bring her complaint to us. backgroundMrs E bought the policy in 1998 at the same time as taking out a credit ... (2 pages)View decision -
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