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 4569 results
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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 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 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 DRN-4634873
21 Feb 2024 U K Insurance Limited UpheldInsuranceDRN-4634873 The complaint L has complained about U K Insurance Limited’s (UKI) decision to turn down its claim under its Motor Fleet Insurance policy for a stolen vehicle (vehicle M). It’s also unhappy about the way the claim was handled by UKI. L is represented by Mr C, who is a director ... (4 pages)View decision -
Decision Reference DRN-3553535
21 Jun 2022 Haven Insurance Company Limited UpheldInsuranceDRN-3553535 The complaint Mr A complains about the amount Haven Insurance Company Limited (Haven) paid in settlement of his claim after his car was written off, under his motor insurance policy. What happened Mr A contacted Haven in November 2021 to make a claim as he had been involved in ... (4 pages)View decision -
Decision Reference DRN4446466
20 Mar 2019 Barclays Bank UK PLC Not upheldInvestment and pensionsMs T is represented by her solicitor. Her complaint was raised in 2018 and is about Barclays Bank UK PLC. Ms T and her solicitor summarised the complaint as follows: Barclays failed in its obligation to inform Ms T that Amazon shares she purchased around 1998/1999 w... (4 pages)View decision -
Decision Reference DRN2848324
29 Apr 2019 AXA Insurance UK Plc Not upheldInsurance (excluding PPI)Mr S has complained that AXA Insurance UK Plc has recorded a claim as a fault claim against his car insurance policy on the Claims Underwriting Exchange (CUE) database.backgroundMr S was involved in an incident with another driver which he says was the other driver’s fault. Unfortunately M... (2 pages)View decision -
Decision Reference DRN8919857
30 Jul 2018 Royal & Sun Alliance Insurance Plc Not upheldInsurance (excluding PPI)Miss T’s unhappy with the way Royal & Sun Alliance Insurance Plc has investigated and dealt with a claim on her motor insurance policy. backgroundMiss T’s car was damaged while parked. A person told her what had happened, provided the other party’s registration an... (2 pages)View decision -
Decision Reference DRN7462362
6 Jul 2016 Bank of Scotland Plc Not upheldBanking and creditMr D complains about the service received by Bank of Scotland, trading as Halifax. He brings this complaint through his representative Ms W – who also holds a power of attorney.backgroundMs W complained to Halifax when she realised that fraudulent transactions had bee... (2 pages)View decision
