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 4338 results
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Decision Reference DRN4427438
20 Apr 2018 @SIPP LIMITED Not upheldInvestment and pensionsThe complaint concerns the service provided by @SIPP LIMITED (SL) when Ms B, Mr B1 and Mr B2 (the complainants) transferred the pension to another provider. It is submitted that problems with SL providing a lease, insisting on a lengthy contract, delays caused by a... (4 pages)View decision -
Decision Reference DRN7680141
17 Nov 2016 R. Raphael & Sons Plc Not upheldBanking and creditMiss M complains that the car she financed by a hire purchase agreement (HPA) with R. Raphael & Sons Plc (the business) was not of satisfactory quality.backgroundMiss M entered into HPA with the business in August 2015 to finance the acquisition of a used car. At ... (3 pages)View decision -
Decision Reference DRN6323507
27 Mar 2014 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr D, through his representative, complains that The Royal Bank of Scotland Plc (“RBS”) mis-sold him a regular premium payment protection insurance (“PPI”) policy when he took out a Mint credit card in 2006.backgroundAs RBS did not uphold Mr D’s complaint he referred it to this servic... (4 pages)View decision -
Decision Reference DRN6016691
22 May 2014 Santander UK Plc Not upheldBanking and creditMrs F says that Santander UK Plc trading as Cahoot acted unfairly in three ways, specifically:-when it increased the interest rate on his flexible loan;-when it withdrew a facility to enable her to borrow further money. She also says that her credit files shows that she has available c... (4 pages)View decision -
Decision Reference DRN9935480
16 Jan 2015 George Miller Brown Not upheldBanking and creditMr W complains about a hire purchase agreement (HP) that was arranged through George Miller Brown t/as B B Commercials. He says the HP agreement relates to a vehicle he paid cash for and does not therefore believe he should be required to repay the HP agreement. backgroundMr W says h... (3 pages)View decision -
Decision Reference DRN0837844
4 Aug 2016 Barclays Bank Plc UpheldBanking and creditMr G and Miss N have complained that Barclays Bank plc (“Barclays”) mis-sold them an Additions Plus packaged bank account in 2007. backgroundOne of our adjudicators has looked into Mr G and Miss N’s complaint and she thought that Barclays had mis-sold the Additions Plu... (3 pages)View decision -
Decision Reference DRN-4944903
6 Mar 2025 ITI Capital Limited Not upheldInvestmentsDRN-4944903 The complaint Mr A complains about ITI Capital Limited (ITI Capital). He said he has been unable to access or decide what to do with shares in a company that it holds for him. Mr A said ITI Capital should give him his shares back or pay compensation equivalent to their worth... (3 pages)View decision -
Decision Reference DRN-3357128
9 Mar 2022 Ageas Insurance Limited Not upheldInsuranceDRN-3357128 The complaint Mr T complains that Ageas Insurance Limited (Ageas) has unfairly voided his policy. What happened I issued my provisional decision on this case on 22 February 2022. It was my intention to come to a different outcome to our investigator, and so I wanted to give bot... (4 pages)View decision -
Decision Reference DRN-3021814
17 Sep 2021 Admiral Insurance (Gibraltar) Limited Not upheldInsuranceDRN-3021814 The complaint Mr J has complained that Admiral Insurance (Gibraltar) Limited (Admiral) undervalued his van following a total loss claim. What happened Following an incident with a third-party vehicle Mr J submitted a claim on his commercial motor polic... (3 pages)View decision -
Decision Reference DRN-2689306
12 May 2021 National Savings and Investments Not upheldBanking and PaymentsDRN-2689306 The complaint Mr R complains National Savings and Investments (“NSI”) obstructed him from opening a savings account and withdrawing his money. To put things right, he wants NSI to change how it verifies its customer’s identity over the phone. What happened In September 2019, Mr... (3 pages)View decision
