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 365917 results
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Decision Reference DRN-4961576
30 Sep 2024 AXA PPP Healthcare Limited UpheldInsuranceDRN-4961576 The complaint Mr and Mrs B complain that AXA PPP Healthcare Limited didn’t let them know that they could take out a cheaper policy when their ‘Assure’ private medical insurance policy renewed in 2020 and 2021. What happened Mr and Mrs B held an ‘Assure’ personal private medi... (5 pages)View decision -
Decision Reference DRN-5050910
30 Sep 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5050910 The complaint Mr I, a sole trader, has made a wide ranging complaint about the service provided to him by Bank of Scotland plc. What happened Mr I told us he is unhappy about the way Bank of Scotland has communicated with him. In particular, he says the bank: Failed to no... (3 pages)View decision -
Decision Reference DRN-4939302
30 Sep 2024 National Westminster Bank Plc Not upheldConsumer CreditDRN-4939302 The complaint Mr V has complained that National Westminster Bank Plc (“NatWest”) acted unfairly and unreasonably by declining to pay a claim under s.75 of the Consumer Credit Act 1974 (“CCA”). What happened Mr V, alongside his wife, had purchased a number of holiday club and... (6 pages)View decision -
Decision Reference DRN-4876679
30 Sep 2024 Capital Professional Limited UpheldPensions and AnnuitiesDRN-4876679 The complaint Miss S is unhappy with the advice she received from Capital Professional Limited trading as Ascot Lloyd (referred to herein as CPL) to transfer benefits from her employer’s defined benefit (DB) scheme to a self-invested personal pension (SIPP). She believes the... (7 pages)View decision -
Decision Reference DRN-5049178
30 Sep 2024 Hargreaves Lansdown Asset Management Limited Not upheldInvestmentsDRN-5049178 The complaint Mr G complains that Hargreaves Asset Management Limited (HAML) continued to promote the Woodford Equity Income Fund (WEIF) and include it in its Wealth 50/150 lists after it became aware of liquidity issues with the fund and its exposure to higher risk sectors.... (11 pages)View decision -
Decision Reference DRN-4848306
30 Sep 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4848306 The complaint Mr U has complained that Santander UK Plc (“Santander”) mis-sold him a fee-paying Reward packaged account in 2010 and a fee-paying 123 account in 2012. Mr U says he was told having the two accounts was his only way of obtaining an overdraft. What happened San... (4 pages)View decision -
Decision Reference DRN-4933619
30 Sep 2024 Advantage Insurance Company Limited Not upheldInsuranceDRN-4933619 The complaint Mr E complains that Advantage Insurance Company Limited increased its quote for a motor insurance policy. What happened Mr E looked for a new policy through an online comparison site. He found one with Advantage, but he said that when he was directed to Advant... (2 pages)View decision -
Decision Reference DRN-5025347
30 Sep 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5025347 The complaint Ms A complains Bank of Scotland plc trading as Halifax (Halifax) unfairly registered a default on her credit file. What happened Ms A says she discovered a default had been registered on her credit file on her current account held with Halifax when she was cont... (3 pages)View decision -
Decision Reference DRN-5000877
30 Sep 2024 Nvayo Limited UpheldBanking and PaymentsDRN-5000877 The complaint Mr V complains Nvayo Systems Ltd (“Nvayo”) hasn’t returned money he deposited into his account. Mr V wants his money released. What happened Mr V has an account with Nvayo. On 8 August 2023, Mr V transferred €3,000 into his account and then converted this into... (4 pages)View decision -
Decision Reference DRN-4889134
30 Sep 2024 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4889134 The complaint Mr C complains that Capital One (Europe) plc irresponsibly lent to him. What happened Mr C says that Capital One approved him for a credit card when he was both financially and emotionally vulnerable as a result of a debt relief order (DRO). Mr C complained to ... (2 pages)View decision
