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 365360 results
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Decision Reference DRN-4998259
20 Sep 2024 Sun Life Assurance Company of Canada (U.K.) Limited Not upheldPensions and AnnuitiesDRN-4998259 The complaint Mr H has complained about a transfer of his Sun Life Assurance Company of Canada (U.K.) Limited trading as Sun Life Financial of Canada (“SLOC”) personal pensions to a small self- administered scheme (“SSAS”) in 2015. Mr H’s SSAS was subsequently used to invest... (11 pages)View decision -
Decision Reference DRN-5033943
20 Sep 2024 TCOT Financial Services Limited UpheldMortgagesDRN-5033943 The complaint Ms H complains that TCOT Financial Services Limited trading as Circle Trust recommended a two-year fixed rate when a five-year fixed rate was more suitable for her. What happened In April 2021, Circle Trust recommended that Ms H should take a mortgage with an i... (7 pages)View decision -
Decision Reference DRN-4985529
20 Sep 2024 AWP P&C S.A. Not upheldInsuranceDRN-4985529 The complaint Mr and Mrs N are unhappy that AWP P&C S.A. declined a claim they made on their travel insurance policy. What happened Mr and Mrs N had a travel insurance policy linked to their packaged bank account. Mrs N was referred for investigations following a swellin... (3 pages)View decision -
Decision Reference DRN-4902152
20 Sep 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4902152 The complaint Miss S is unhappy that a van supplied to her under a conditional sale agreement with Moneybarn No.1 Limited was of an unsatisfactory quality. What happened In July 2023, Miss S entered into a conditional sale agreement with Moneybarn for the supply of a used v... (5 pages)View decision -
Decision Reference DRN-4962082
20 Sep 2024 Rock Insurance Services Limited UpheldInsuranceDRN-4962082 The complaint Miss H has complained that Rock Insurance Services Limited wrongly advised that her annual travel insurance policy would automatically renew. What happened Miss H’s annual policy was due to expire and so she rang Rock on 14 March 2024 to renew it. She was told... (2 pages)View decision -
Decision Reference DRN-5030904
20 Sep 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5030904 The complaint Ms S complains that HSBC UK Bank Plc (‘HSBC’) declined her application for a current account without providing a good enough reason. She’s also unhappy with the way HSBC dealt with her complaint about what’s happened. What happened Ms S applied for an Advance ... (4 pages)View decision -
Decision Reference DRN-5034402
20 Sep 2024 Red Sands Insurance Company (Europe) Limited UpheldInsuranceDRN-5034402 The complaint Miss K complains that Red Sands Insurance Company (Europe) Limited unfairly declined to cover the cost of an X-ray under her pet insurance policy. Where I refer to Red Sands, this includes the actions of its agents and claims handlers for which it takes respon... (3 pages)View decision -
Decision Reference DRN-4944834
20 Sep 2024 Legal and General Assurance Society Limited UpheldPensions and AnnuitiesDRN-4944834 The complaint Mr H complains that Legal and General Assurance Society Limited (“L&G”) failed to treat him fairly when he purchased an annuity earlier this year. What happened Mr H purchased an annuity from L&G earlier this year. Part of the funds used for the purchas... (3 pages)View decision -
Decision Reference DRN-5033642
20 Sep 2024 Paragon Bank Plc Not upheldMortgagesDRN-5033642 The complaint Mr W complains about the interest rate on his secured loan with Paragon Bank Plc. He says the interest rate he has paid over the years has been excessive and hasn’t varied as he expected, and the loan was therefore mis-sold. What happened Mr W took out a secure... (4 pages)View decision -
Decision Reference DRN-4219872
20 Sep 2024 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-4219872 The complaint Mr S has complained about Clydesdale Financial Service Ltd trading as Barclays Partner Finance (BPF)’s response to a claim he made under Section 75 (s.75) of the Consumer Credit Act 1974 (the Act). What happened In October 2013 Mr S bought a solar panel system... (3 pages)View decision
