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 4755 results
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Decision Reference DRN2195990
11 Dec 2015 IGO4 Limited Not upheldInsurance (excluding PPI)Mr R is unhappy that IGO4 Limited (IGO4) set up his car insurance for the wrong car. He wants them to refund his premiums.backgroundMr R took out his car insurance with IGO4 in July 2014.In April 2015 Mr R contacted IGO4 to change the car on his policy. At this sta... (2 pages)View decision -
Decision Reference DRN-2765129
17 May 2021 esure Insurance Limited Not upheldInsuranceDRN-2765129 The complaint Mr S complains about how esure Insurance Limited investigated a claim made on his motor insurance policy and that it recorded him as being at fault. What happened Mr S’s car was hit by an uninsured driver and he made a claim. esure was unable to trace the other dr... (2 pages)View decision -
Decision Reference DRN-3566661
29 Sep 2022 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3566661 The complaint Mr U complains that The Royal Bank of Scotland Plc (RBS) have revoked his registration as a financial advisor, provided poor customer service and have sent details of his accounts to a wrong address. What happened Mr U says he’s a mortgage advisor, but RBS rejecte... (3 pages)View decision -
Decision Reference DRN4355289
12 Dec 2014 First Central Insurance Management Ltd Not upheldInsurance (excluding PPI)Mr L complains about the level of service provided by First Central Insurance Management Limited and the charges that it has applied to his motor insurance policy. He wants it to refund his entire premium. backgroundMr L has had a number of concerns about First Central’s service and cha... (2 pages)View decision -
Decision Reference DRN1175112
16 Jul 2014 Metropolitan International Schools Limited Not upheldBanking and creditMr B complains that Metropolitan International Schools Limited, trading as ATL Practical Training (“ATL”) misrepresented a training course to him, and that the course was not in fact suitable.backgroundMr B was sold a loan to finance a training course in March 2013. The course and the lo... (2 pages)View decision -
Decision Reference DRN8893543
15 Aug 2013 Lloyds TSB Bank Plc UpheldBanking and creditMr D complains about a default registered on his credit file by Lloyds TSB Bank Plc.backgroundMr D took out a Lloyds TSB personal loan in March 2010, with an agreement to make monthly repayments of just over £560. The bank transferred this loan to its collections department (CCD) in Feb... (3 pages)View decision -
Decision Reference DRN-4076654
20 Jul 2023 Liverpool Victoria Insurance Company Limited Not upheldInsuranceDRN-4076654 The complaint Mr N complains Liverpool Victoria Insurance Company Limited (LV) provided a poor level of service after he made a claim on his motor insurance policy. And he was unhappy with the liability decision reached. What happened Mr N’s car was hit by a third-party vehicle... (3 pages)View decision -
Decision Reference DRN-3438525
16 Dec 2022 Trading 212 UK Limited Not upheldInvestmentsDRN-3438525 The complaint Mr G complains Trading 212 UK Limited (“Trading 212”) will not arrange for his shares to be registered into his own name. What happened Mr G bought shares using his Trading 212 account. His shares are registered to a nominee and held in a pooled (omnibus) account ... (3 pages)View decision -
Decision Reference DRN7429366
2 Dec 2015 Fowlersfinance.com Limited UpheldBanking and creditMr C complains about a car that he acquired through a conditional sale agreement financed by Fowlers Fianance.com Ltd (Fowlers). Ms W has made most on the submissions on Mr C’s behalf in this case. However, for simplicity, I refer to Mr C throughout.backgroundIn F... (3 pages)View decision -
Decision Reference DRN5330071
3 Aug 2018 Black Horse Limited UpheldBanking and creditMr C complains the caravan he was supplied with through a hire purchase agreement financed by Black Horse Limited was misrepresented. He says it’s not the vehicle he agreed to acquire. He wants a refund.background Mr C tells us he acquired the caravan from a dealer, P... (3 pages)View decision