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 401363 results
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Decision Reference DRN-5915628
31 Oct 2025 Nationwide Building Society UpheldBanking and PaymentsDRN-5915628 The complaint Mr N complains about how Nationwide Building Society handled a claim he made to it. What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my role resolving disputes with minimum... (7 pages)View decision -
Decision Reference DRN-5711200
31 Oct 2025 Richard Jacobs Pension and Trustee Services Limited UpheldPensions and AnnuitiesDRN-5711200 The complaint Spencer Churchill Law Ltd (SC), on behalf of Mr C, complains about the advice he received from Richard Jacobs Pension and Trustee Services Limited (RJP) in 2016 to transfer his deferred defined benefit (DB) Occupational pension scheme to a Self-Invested Persona... (11 pages)View decision -
Decision Reference DRN-5862595
31 Oct 2025 BMW Financial Services (GB) Limited UpheldConsumer CreditDRN-5862595 The complaint Mr D complains that a car he acquired via a hire purchase agreement with BMW Financial Services (GB) Limited trading as Alphera Financial Services wasn’t of satisfactory quality. What happened In November 2020 Mr D acquired a used car via a four-year hire purch... (5 pages)View decision -
Decision Reference DRN-5920755
31 Oct 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5920755 The complaint Mr T complains that HSBC UK Plc did not reimburse the funds he lost to a scam. What happened Mr T fell victim to an investment scam. He said that he had previously invested via a company I’ll refer to as ‘L’ but had allowed the investment account to go dormant.... (3 pages)View decision -
Decision Reference DRN-5808058
31 Oct 2025 TSB Bank plc Not upheldBanking and PaymentsDRN-5808058 The complaint Miss N complains that TSB blocked and then closed her account. What happened Miss N had an account with TSB which she opened in September 2024. In November 2024, TSB placed a restriction on the account while it carried out a review. TSB then decided to close Mi... (3 pages)View decision -
Decision Reference DRN-5845867
31 Oct 2025 U K Insurance Limited UpheldInsuranceDRN-5845867 The complaint Miss H is complaining about the way U K Insurance Limited handled a claim she made against her car insurance policy. In particular, she’s unhappy it didn’t provide her with a new car replacement (‘NCR’). What happened In March 2024 Miss H was involved in an acc... (3 pages)View decision -
Decision Reference DRN-5920514
31 Oct 2025 Red Sands Insurance Company (Europe) Limited UpheldInsuranceDRN-5920514 The complaint Mrs R is unhappy that Red Sands Insurance Company (Europe) Limited didn’t pay a claim made on her travel insurance policy in full, after she required emergency medical treatment whilst abroad. She’s also unhappy with the way in which her claim was handled. All... (4 pages)View decision -
Decision Reference DRN-5220967
31 Oct 2025 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5220967 The complaint Mr and Mrs I complain about The Royal Bank of Scotland Plc (RBS). The say that they have fallen victim to a scam and would like RBS to refund them under the Lending Standards Board’s Contingent Reimbursement Model (CRM) Code, to which RBS is a signatory. What... (3 pages)View decision -
Decision Reference DRN-5780254
31 Oct 2025 U K Insurance Limited Not upheldInsuranceDRN-5780254 The complaint Mr R complains that U K Insurance Limited (“UKI”) has provided poor customer service when handling a claim under his legal expenses insurance (“LEI”) policy. Where I refer to UKI, this includes the actions of its agents and claims handlers for which it takes r... (3 pages)View decision -
Decision Reference DRN-5920253
31 Oct 2025 Allianz Insurance Plc UpheldInsuranceDRN-5920253 The complaint Ms L and Mr P have complained about their let property insurer Allianz Insurance Plc regarding a claim they made to it for a fire in 2017. Allianz made final settlement payments to Ms L and Mr P in 2024 – they blame it for delays which increased costs and losse... (11 pages)View decision