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 4310 results
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Decision Reference DRN7410127
30 Oct 2015 DAS Legal Expenses Insurance Company Limited Not upheldInsurance (excluding PPI)Mr B’s complaint is about the handling of his legal expenses insurance claim byDAS Legal Expenses Insurance Company Limited.backgroundI issued a provisional decision on this matter in October 2015, part of which is copied below:“Mr B owns a garage specialising in high ... (5 pages)View decision -
Decision Reference DRN6130878
7 May 2020 Curtis Banks Limited Not upheldInvestment and pensionsMr W, Mr M and Mr B agreed to jointly purchase a commercial property using their individual self-invested personal pension (SIPP) schemes. Curtis Banks Limited (“Curtis Banks”) was the operator of their SIPPs and the administrator for HMRC purposes. Mr W, Mr M and Mr B complain about the l... (6 pages)View decision -
Decision Reference DRN3257423
16 Jun 2016 London and Country Mortgages Ltd Not upheldPayment protection insurance (PPI)Mr Y complains that London and Country Mortgages Ltd mis-sold him payment protection insurance (PPI) when he took out a mortgage in 2002.backgroundOne of our adjudicators explained to Mr Y that because this policy was sold prior to insurance being covered by us, we c... (3 pages)View decision -
Decision Reference DRN3679327
27 Dec 2018 Bank of Scotland Plc Not upheldBanking and creditMr R and Ms L complain that Bank of Scotland Plc trading as Halifax (“Halifax”) unfairly and unreasonably lost documents relating to their property. They want matters put right.backgroundMr R and Ms L took out a mortgage with Halifax in 1999. They said that there was... (2 pages)View decision -
Decision Reference DRN-2975812
15 Mar 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2975812 The complaint Mr P complains that National Westminster Bank Plc won’t refund debit card payments which were made as the result of a scam. What happened The background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the key even... (2 pages)View decision -
Decision Reference DRN9964976
5 Aug 2014 Lookers Motor Group Limited Not upheldBanking and creditMrs T complains that Lookers Motor Group Limited (“LMGL”) pressurised her into borrowing finance to buy a car. She then cancelled the finance within the cancellation period allowed by the finance agreement. She said that LMGL’s actions and errors have caused her distress.backgroundMrs T ... (2 pages)View decision -
Decision Reference DRN-4007125
5 Jun 2023 Watford Insurance Company Europe Limited UpheldInsuranceDRN-4007125 The complaint Mr A complains about the settlement that Watford Insurance Company Europe Limited paid him for the total loss of his car following a claim made on his motor insurance policy. What happened Mr A’s car was damaged, and he made a claim to Watford. It declared the car... (2 pages)View decision -
Decision Reference DRN8749353
30 Nov 2017 Be Wiser Insurance Services Ltd Not upheldInsurance (excluding PPI)Mr and Mrs C complain that Be Wiser Insurance Services Ltd didn’t warn them it was about to cancel the motor insurance policy on the vehicle Mr C had insured through Be Wiser. They would like Be Wiser to waive the premium and halt action to recover the debt of £193... (2 pages)View decision -
Decision Reference DRN1797659
27 Jun 2017 Swinton Group Ltd UpheldInsurance (excluding PPI)Mr and Mrs S say Swinton Group Limited didn’t provide all the information they needed when they wanted to make a claim on their motor insurance policy after an accident that wasn’t their fault.backgroundMr and Mrs S bought the policy through Swinton. Mrs S says they ... (2 pages)View decision -
Decision Reference DRN7312988
17 Oct 2014 MEM Consumer Finance Limited UpheldBanking and creditMrs R and her representative complain that MEM Consumer Finance Limited has applied a default to her credit file. backgroundMrs R took out a payday loan with MEM but her payments were in arrears. She is unhappy that MEM applied a default to her credit file without sending her a default... (2 pages)View decision
