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 4385 results
-
Decision Reference DRN0684187
24 Jul 2020 Career Finance 4 Trade Skills Limited UpheldBanking and creditMr K complains that Career Finance 4 Trade Skills Limited (“CF4TS”) won’t refund him for atraining course. He says there are various issues with what he was told about the coursewhen he agreed to undertake it. The course was funded using a fixed sum loan provided byCF4TS.background In Marc... (8 pages)View decision -
Decision Reference DRN-3517438
26 Mar 2024 Scottish Widows Limited Not upheldPensions and AnnuitiesDRN-3517438 The complaint Mr L has complained about a transfer of his stakeholder pension scheme by Scottish Widows Limited (Scottish Widows) to an occupational scheme in 2013. Mr L’s occupational scheme was subsequently found to be a vehicle for pension liberation, the process by which pe... (5 pages)View decision -
Decision Reference DRN-5015332
28 Oct 2024 Advantage Insurance Company Limited Not upheldInsuranceDRN-5015332 The complaint Mr A complains about how his insurer, U K Insurance Limited trading as Advantage (Advantage), valued his vehicle as a total loss following an accident. Any reference to Advantage in this decision includes their agents. What happened Mr A was involved in an ac... (4 pages)View decision -
Decision Reference DRN1250210
27 Sep 2019 Sainsbury's Bank Plc Not upheldBanking and creditMr A complains that he was mis-sold a travel money card by Sainsbury’s Bank Plc.backgroundOn 28 June 2018 Mr A loaded $3,000 US dollars (USD) onto a multi-currency cash passport card he obtained from Sainsbury’s. He now feels this was mis-sold to him. He was told by a Sainsbury’s advisor t... (4 pages)View decision -
Decision Reference DRN-3672800
19 Jan 2023 Monzo Bank Ltd UpheldBanking and PaymentsDRN-3672800 The complaint Mr O complains that Monzo Bank Ltd (‘Monzo’) hasn’t refunded a payment he says he didn’t make or otherwise authorise. What happened Mr O says that on 13 and 14 March 2022 he received two calls from individuals who said they were from Monzo but he now knows were sc... (3 pages)View decision -
Decision Reference DRN-3025344
2 Nov 2021 Admiral Insurance Company Limited UpheldInsuranceDRN-3025344 The complaint Mr H (represented by his solicitor, Mr L) says Admiral Insurance Company Limited wrongly declined the claim he made on his motor insurance policy after his car was stolen. What happened Mr H bought a car that was on sale for £15,000 from a private seller for £12,8... (6 pages)View decision -
Decision Reference DRN-4055264
30 Mar 2023 AA Underwriting Insurance Company Limited UpheldInsuranceDRN-4055264 The complaint Mr B complains about AA Underwriting Insurance Company Limited (AAIC), and the valuation placed on his car after it was deemed a total loss. What happened Mr B held a motor insurance policy, underwritten by AAIC. Unfortunately, in July 2021, Mr B’s car was involve... (3 pages)View decision -
Decision Reference DRN-3686674
6 Jan 2023 Santander UK Plc UpheldBanking and PaymentsDRN-3686674 The complaint Mr W1 complains Santander UK Plc (“Santander”) terminated access to his accounts following the registration of an Enduring Power of Attorney (“EPA”). Mr W1 is assisted in bringing this case by his Attorney, Mr W2. What happened Mr W1 made an EPA on 19 September 20... (3 pages)View decision -
Decision Reference DRN1501785
11 Jan 2019 Western Provident Association Limited Not upheldInsurance (excluding PPI)Mr P is unhappy that Western Provident Association Limited did not tell him directly about its decision to exclude certain medical conditions from his policy.backgroundMr P’s wife works for an organisation that offers a group scheme medical insurance. In January last... (3 pages)View decision -
Decision Reference DRN4353692
30 Mar 2016 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr T complains that he was mis-sold a payment protection insurance (“PPI”) policy when he took out a credit card with The Royal Bank of Scotland Plc (“RBS”).backgroundI set out the full background to this case in my provisional decision which I’ve attached here. It forms... (3 pages)View decision
