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 4282 results
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Decision Reference DRN3263923
10 Dec 2019 Calpe Insurance Company Limited Not upheldInsurance (excluding PPI)Mr C has complained about Calpe Insurance Company Limited’s handling of a claim against his motor insurance policy.Reference to Calpe includes its agents.backgroundMr C’s wife, who is a named driver on his policy, bumped their car into another car when leaving a parking space (the accident... (2 pages)View decision -
Decision Reference DRN6413977
9 Jul 2015 Kensington Mortgage Company Limited Not upheldBanking and creditUnder the rules of the Financial Ombudsman Service, I am required to ask Miss L either to accept or reject my decision before date 10 August 2015. Simon Pugh ombudsman at the Financial Ombudsman ServicecomplaintMiss L complains that she has asked Kensington Mortgage Company Limite... (2 pages)View decision -
Decision Reference DRN1646866
10 Jul 2013 UK Insurance Limited Not upheldInsurance (excluding PPI)Mr A complains that his motor insurance policy was voided when U K Insurance Limited discovered that his son, Mr B, was the owner and registered keeper of the car following an accident. Mr A is now being pursued for substantial costs arising from the accident.backgroundOur adjudicator... (2 pages)View decision -
Decision Reference DRN-4970253
16 Sep 2024 esure Insurance Limited UpheldInsuranceDRN-4970253 The complaint Mr P has complained that esure Insurance Limited unreasonably cancelled his motor policy following a claim. What happened Mr P insured his car with esure from June 2023. Sadly, in July 2023 his car caught fire and was eventually deemed a total loss. Mr P bough... (9 pages)View decision -
Decision Reference DRN0790575
11 Apr 2019 Halifax Share Dealing Limited Not upheldInvestment and pensionsMr J says Halifax Share Dealing Limited (HSDL) did not protect his share dealing account (“SDA”) and his shares from fraud committed by his late partner between 2015 and 2017.backgroundI issued a detailed provisional decision (PD) for this complaint on 22 March 201... (11 pages)View decision -
Decision Reference DRN-4932138
18 Nov 2024 Madison CF UK Limited UpheldConsumer CreditDRN-4932138 The complaint Mr K has complained Madison CF UK Limited, trading as 118 118 Money, held him liable for a loan he didn’t take out and then added a CIFAS marker to his record. What happened Mr K complained to 118 118 Money in February after he’d discovered a loan had been take... (2 pages)View decision -
Decision Reference DRN9664520
13 May 2020 esure Insurance Limited UpheldInsurance (excluding PPI)Mr C has complained about esure Insurance Limited’s handling of his car insurance policy.backgroundMr C’s car was insured with esure. In July 2018, he had an accident and his car was damaged. His car was stationary in the outer lane of a two lane road at traffic lights. A coach in the insi... (9 pages)View decision -
Decision Reference DRN8014830
8 May 2014 Barclays Bank Plc Not upheldBanking and creditMiss E complains that Barclays Bank Plc failed to give her proper notification that it intended to place default markers on her credit file. backgroundMiss E faced financial difficulties in 2009 and exceeded her overdraft limit on two accounts she held with Barclays. The bank sent Miss ... (2 pages)View decision -
Decision Reference DRN0527058
23 Nov 2016 Northern Bank Limited UpheldPayment protection insurance (PPI)Mr M says Northern Bank Limited (NBL) mis-sold him a payment protection insurance (PPI) policy. backgroundThis complaint is about a credit card PPI policy Mr M took out in 2008. It was added to his account when he applied for the card in person.Our adjudicator uph... (2 pages)View decision -
Decision Reference DRN0316686
13 Jun 2016 Zenith Insurance plc Not upheldInsurance (excluding PPI)Miss B complains that Zenith Insurance plc cancelled her motor insurance policy from the start (voided it) and declined two claims because she wasn’t the car’s registered keeper. Miss B is represented in this matter by her solicitor.backgroundMiss B took out a polic... (2 pages)View decision
