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 366874 results
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Decision Reference DRN-5133627
8 Nov 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5133627 The complaint Mr T is unhappy that HSBC UK Bank Plc (HSBC) wont refund him for money he lost to an investment that he considers was a scam. What happened Mr T says he was introduced to an investment opportunity in a trading platform (I will refer to as S) by a close friend. ... (9 pages)View decision -
Decision Reference DRN-5126637
8 Nov 2024 West Bay Insurance Plc UpheldInsuranceDRN-5126637 The complaint Mr C has complained about the way West Bay Insurance Plc dealt with a claim he made for damage under his car insurance policy. Mr C also complained about delays and poor communication. What happened In May 2023 Mr C reported that his car had suffered damage whi... (6 pages)View decision -
Decision Reference DRN-4677762
8 Nov 2024 Watford Insurance Company Europe Limited UpheldInsuranceDRN-4677762 The complaint A company, which I’ll refer to as T, complains that Watford Insurance Company Europe Limited (WIC) unfairly cancelled its insurance policy. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief over... (4 pages)View decision -
Decision Reference DRN-5096933
8 Nov 2024 Barclays Bank UK PLC Not upheldConsumer CreditDRN-5096933 The complaint Mr E has complaint that Barclays Bank UK PLC (“Barclays”) didn’t conduct sufficient affordability checks before lending to him. Had it done so it would’ve seen he couldn’t have afforded the repayments. What happened Barclays advanced £11,000 in July 2019. The ... (4 pages)View decision -
Decision Reference DRN-4971772
8 Nov 2024 U K Insurance Limited Not upheldInsuranceDRN-4971772 The complaint Mrs A and Mr A complain about how U K Insurance Limited (UKI) dealt with a claim under their home insurance policy for damage to a fence and paving at their property. UKI use agents to administer the policy and to assess claims. References to UKI include these... (6 pages)View decision -
Decision Reference DRN-4920737
8 Nov 2024 Bank of Scotland Plc Not upheldConsumer CreditDRN-4920737 The complaint Mr S has complained that Bank of Scotland plc trading as Halifax (“Halifax”) gave him a loan without conducting proportionate affordability checks. What happened Mr S was granted loan of £20,000 by Halifax on 16 July 2020. Mr S was due to make 64 monthly repay... (5 pages)View decision -
Decision Reference DRN-5027641
8 Nov 2024 U K Insurance Limited Not upheldInsuranceDRN-5027641 The complaint Mr E is complaining about U K Insurance Limited’s handling of his car insurance claim. What happened Mr E had a car insurance policy with U K Insurance Limited (UKI), and in June 2020 he made a claim following an accident. Mr E referred a complaint to the Finan... (4 pages)View decision -
Decision Reference DRN-5043662
8 Nov 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5043662 The complaint Ms G complains Bank of Scotland plc trading as Halifax unfairly closed her accounts. What happened The facts of the complaint are well known to both parties, so I will only provide a summary of the key points. Ms G held an Everyday Saver and Instant Access Sa... (2 pages)View decision -
Decision Reference DRN-5123220
8 Nov 2024 Bank of Ireland (UK) Plc Not upheldBanking and PaymentsDRN-5123220 The complaint Mr M and Mrs M complain that Bank of Ireland (UK) Plc didn’t give them the information about their business loan they needed to make decisions about overpayments. What happened Mr M and Mrs M took a business loan from Bank of Ireland in 2015. Mr M says he tried... (3 pages)View decision -
Decision Reference DRN-5132053
8 Nov 2024 National Savings and Investments UpheldBanking and PaymentsDRN-5132053 The complaint Mrs S is unhappy that National Savings and Investments won’t credit her reinvestment with an interest rate they incorrectly told her that she was guaranteed to receive. Mrs S was assisted in his interactions with NS&I by her husband, Mr S. However, for eas... (6 pages)View decision
