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 360264 results
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Decision Reference DRN-5066356
22 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5066356 The complaint Mr C complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happened Mr C applied for a credit card with Vanquis in January 2020. In his application, Mr C said he was living with his parents with no housing cos... (2 pages)View decision -
Decision Reference DRN-4844217
22 Oct 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4844217 The complaint R complain that HSBC UK Bank Plc (“HSBC”) failed to refund transactions they didn’t recognise. What happened R are a Ltd company and are represented here by Mr W who was also involved in the incident. So, for ease of reading I’ll mainly refer to him throughout.... (4 pages)View decision -
Decision Reference DRN-5088542
22 Oct 2024 St. James's Place Wealth Management Plc UpheldPensions and AnnuitiesDRN-5088542 The complaint Mr R complains that St. James’s Place Wealth Management Plc trading as St. James's Place (“SJP”) has charged him ongoing advice charges (“OACs”) despite not receiving annual reviews. Mr R is being represented by a claims management company, however, for e... (8 pages)View decision -
Decision Reference DRN-4975590
22 Oct 2024 Aviva Life & Pensions UK Limited Not upheldPensions and AnnuitiesDRN-4975590 The complaint Mr D has complained about advice he says was given by Aviva Life & Pensions UK Limited (‘Aviva’) to transfer his occupational pension scheme (‘OPS’) into a personal arrangement. Mr D states this advice was unsuitable and has caused financial loss. Mr D has ... (3 pages)View decision -
Decision Reference DRN-4953066
22 Oct 2024 Myers Davison Ginger Ltd Not upheldPensions and AnnuitiesDRN-4953066 The complaint Mr B has complained that he was given unsuitable advice by Myers Davison Ginger Ltd (MDG) in 2005 to transfer his deferred occupational pension scheme (OPS) benefits into a personal pension arrangement. Mr B has said that, as a result, he’ll be significantly wo... (7 pages)View decision -
Decision Reference DRN-4628815
22 Oct 2024 LEASYS UK LTD Not upheldConsumer CreditDRN-4628815 The complaint Mr M complains that a car that was supplied to him under a hire agreement with Leasys UK Limited wasn’t of satisfactory quality. What happened A new car was supplied to Mr M under a hire agreement with Leasys that he electronically signed in June 2021. He agre... (2 pages)View decision -
Decision Reference DRN-4764978
22 Oct 2024 Assetz SME Capital Limited Not upheldInvestmentsDRN-4764978 The complaint Mr R complains Assetz SME Capital Limited (“Assetz”) has introduced an unfair fee on his crowdfunding account. What happened In December 2022, Assetz announced that it had decided to close its retail platform and conduct a solvent run-off of its retail loan bo... (7 pages)View decision -
Decision Reference DRN-5097863
22 Oct 2024 The Prudential Assurance Company Limited UpheldPensions and AnnuitiesDRN-5097863 The complaint Mr B’s representative has complained, on his behalf, that The Prudential Assurance Company Limited has failed to provide the required justification for correcting what the latter claims to have been an error with its With Profits calculations – which has result... (8 pages)View decision -
Decision Reference DRN-5096136
22 Oct 2024 Watford Insurance Company Europe Limited UpheldInsuranceDRN-5096136 The complaint Miss A has complained that Watford Insurance Company Europe Limited cancelled her motor insurance policy and refused to pay her claim. What happened Miss A took out a motor insurance policy with Watford through an online price comparison site. When her car was... (4 pages)View decision -
Decision Reference DRN-4962279
22 Oct 2024 Unum Ltd Not upheldInsuranceDRN-4962279 The complaint Mr H is unhappy with Unum Ltd (Unum) because it declined his income protection claims. What happened Mr H has an income protection policy arranged through his employer. The policy provides cover if Mr H is unable to carry out the duties of his insured occupatio... (4 pages)View decision
