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 381196 results
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Decision Reference DRN-5256766
23 Jan 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5256766 The complaint Mr S complains that Capital One (Europe) plc lent irresponsibly when it approved his credit card application. What happened Mr S applied for a credit card with Capital One in June 2023. In his application, Mr S said he was employed with an income of £32,500. M... (3 pages)View decision -
Decision Reference DRN-5281147
23 Jan 2025 Healthcare Finance Limited UpheldConsumer CreditDRN-5281147 The complaint Ms V complains about how Healthcare Finance Limited (‘HFL’) responded to a claim she made to it in respect of dental treatment she paid for using the fixed sum loan it provided. What happened While I might not comment on everything (only what I consider key) th... (6 pages)View decision -
Decision Reference DRN-4780586
23 Jan 2025 IG Markets Limited Not upheldInvestmentsDRN-4780586 The complaint Mr G complains IG Markets Limited (‘IGUK’) unfairly suspended his CFD trading account following a change of address. He is also unhappy IGUK charged him fees during that suspension. What happened Mr G opened a CFD trading account with IGUK in 2016, and also ha... (4 pages)View decision -
Decision Reference DRN-5222678
23 Jan 2025 American Express Services Europe Limited (AESEL) Not upheldBanking and PaymentsDRN-5222678 The complaint Mr C complains that American Express Services Europe Limited (AESEL) irresponsibly lent to him. What happened Mr C applied for an Amex credit card in August 2022. His application was accepted, and he was given an £8,500 credit limit. Mr C says Amex irresponsibl... (3 pages)View decision -
Decision Reference DRN-5240467
23 Jan 2025 Scottish Equitable Plc Not upheldPensions and AnnuitiesDRN-5240467 The complaint Mr A has complained about a transfer of his Scottish Equitable Plc pension to a Qualifying Recognised Overseas Pension Scheme (“QROPS”) in Gibraltar in September 2014. Mr A’s QROPS was subsequently used to invest Trafalgar Multi Asset Fund. The investment now a... (10 pages)View decision -
Decision Reference DRN-5089700
23 Jan 2025 Healthcare Finance Limited Not upheldConsumer CreditDRN-5089700 The complaint Mrs G complains that Healthcare Finance Limited (“HFL”) failed to pay out on a claim she made to it about the failure of a supplier to deliver the dental treatment which she paid for with credit it provided. What happened In September 2022 Mrs G entered into a ... (4 pages)View decision -
Decision Reference DRN-5241548
23 Jan 2025 U K Insurance Limited UpheldInsuranceDRN-5241548 The complaint Mrs M complains that U K Insurance Limited (UKI) hasn’t paid a cancelled port stop claim she made on a travel insurance policy. What happened Mrs M holds travel insurance as a benefit of a packaged account with her building society. In December 2023, Mrs M call... (3 pages)View decision -
Decision Reference DRN-5263290
23 Jan 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5263290 The complaint Mr C is unhappy about problems with using the automated telephone banking service of Bank of Scotland plc trading as Halifax. What happened Mr C tried to use Halifax’s automated telephone banking system to obtain the balance on his account. When he asked to ch... (2 pages)View decision -
Decision Reference DRN-5240466
23 Jan 2025 Aviva Life & Pensions UK Limited Not upheldPensions and AnnuitiesDRN-5240466 The complaint Mr A has complained about a transfer of his Aviva Life & Pensions UK Limited pension to a Qualifying Recognised Overseas Pension Scheme (“QROPS”) in Gibraltar in September 2014. Mr A’s QROPS was subsequently used to invest in the Trafalgar Multi Asset Fund.... (11 pages)View decision -
Decision Reference DRN-5189861
23 Jan 2025 Atlanta Insurance Intermediaries Limited Not upheldInsuranceDRN-5189861 The complaint Miss S complains Atlanta Insurance Intermediaries Limited (Atlanta) are requesting payment of premiums following the cancellation of her motor insurance policy. Miss S is being represented in this complaint by a family member, but as Miss S was the policyholder... (2 pages)View decision
