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-5097559
22 Oct 2024 DAS Legal Expenses Insurance Company Limited UpheldInsuranceDRN-5097559 The complaint B’s complaint follows a decision of another Ombudsman of the Financial Ombudsman Service dated 22 November 2021. B says DAS Legal Expenses Insurance Company Limited (‘DAS’) caused unnecessary delays in progressing its claim and that this led to it incurring los... (4 pages)View decision -
Decision Reference DRN-5043117
22 Oct 2024 Great Lakes Insurance SE UpheldInsuranceDRN-5043117 The complaint Mr L and Mr L1 complain that Great Lakes Insurance SE has turned down a gadget claim Mr L made on a travel insurance policy. As Mr L suffered the loss and made this claim, I’ve referred mainly to him throughout this decision. What happened The circumstances of ... (3 pages)View decision -
Decision Reference DRN-5049505
22 Oct 2024 Advantage Insurance Company Limited Not upheldInsuranceDRN-5049505 The complaint Ms B complains about Advantage Insurance Company Limited’s handling of her car insurance claim. What happened Advantage has been represented by its agents during the claim. All references to Advantage include its agents. Ms B took out a car insurance policy in ... (4 pages)View decision -
Decision Reference DRN-5088123
22 Oct 2024 Skipton Building Society UpheldPensions and AnnuitiesDRN-5088123 The complaint Mr A complains that he has lost out financially because Skipton Building Society (“Skipton”) gave him incorrect advice about how much he could invest in his pension scheme to attract tax relief. What happened Mr A took financial advice from Skipton in November... (3 pages)View decision -
Decision Reference DRN-4336782
22 Oct 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4336782 The complaint Mr S complains Santander UK Plc (‘Santander’) froze and then closed his current account and investment account. He’s also unhappy about the time Santander took to give him the funds from the accounts. What happened Mr S had a current account and an investment a... (7 pages)View decision -
Decision Reference DRN-5095900
22 Oct 2024 Shore Financial Services Ltd UpheldMortgagesDRN-5095900 The complaint Mr J and Mr K complain that Shore Financial Services Ltd Shore didn’t tell them in 2021 that the mortgage it was recommending charged interest on a monthly, not daily basis. They said they’re paying more now to exit this mortgage, because of this. What happened... (5 pages)View decision -
Decision Reference DRN-4882299
22 Oct 2024 Motability Operations Limited Not upheldConsumer CreditDRN-4882299 The complaint Mr M complains that Motability Operations Limited (“MOL”) has acted unfairly in relation to an Advance Payment (“AP”) he needed to make before a car was supplied to him through a hire agreement. What happened In January 2024 Mr M was supplied with a new car by ... (3 pages)View decision -
Decision Reference DRN-4927525
22 Oct 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4927525 The complaint Ms R complains HSBC UK Bank Plc (“HSBC”) were over-zealous when asking for information relating to the beneficiary to complete a payment to her family member who resided abroad. Ms R says some of the information HSBC asked for wasn’t something she’d know and th... (4 pages)View decision -
Decision Reference DRN-4673849
22 Oct 2024 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4673849 The complaint Mr E complains that Clydesdale Bank Plc trading as Virgin Money, closed his bank account and held onto funds paid into the account. He also complains that Virgin Money has recorded incorrect data to credit reference agencies which has affected his credit score.... (5 pages)View decision -
Decision Reference DRN-5009874
22 Oct 2024 Bank of Ireland (UK) Plc Not upheldMortgagesDRN-5009874 The complaint Mr E complained that Bank of Ireland (UK) Plc (“BOI”) recorded a marker against his name on a fraud prevention database, which prevented him from obtaining a mortgage elsewhere. What happened Mr E applied for a mortgage with BOI, using the support of a broker. ... (3 pages)View decision
