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 DRN2565980
9 Oct 2015 UK Insurance Limited Not upheldInsurance (excluding PPI)Mr C has complained that U K Insurance Limited (trading as Privilege) made a mistake with the valuation of his car after it was declared a total loss. backgroundMr C’s car was involved in an accident. Privilege inspected his car and decided it was a total loss. It ... (2 pages)View decision -
Decision Reference DRN1953309
9 Oct 2015 Mercedes-Benz Financial Services UK Limited Not upheldBanking and creditMr H complains that Mercedes-Benz Financial Services UK Limited asked him to pay an excess mileage charge when he voluntarily ended a hire purchase agreement. backgroundIn June 2011, Mr H acquired a car financed by a hire purchase agreement. In October 2014, he volunt... (2 pages)View decision -
Decision Reference DRN8669871
9 Oct 2015 CIS General Insurance Limited Not upheldInsurance (excluding PPI)Mr W complains that CIS General Insurance Limited (“CIS”) wrongly held him responsible for a collision when a third party claimed on Mr W’s CIS motor insurance policy.backgroundIn August 2014, Mr W had a collision with another car. The third party’s insurer notified... (2 pages)View decision -
Decision Reference DRN1267989
9 Oct 2015 Provident Personal Credit Limited UpheldBanking and creditMr L says that he was not sent a default notice before Provident Personal Credit Limited (trading as Provident) recorded a default on his credit file. our initial conclusionsThe adjudicator recommended that the complaint should be upheld. She considered that as Provident could not ... (2 pages)View decision -
Decision Reference DRN6391584
9 Oct 2015 Pinnacle Insurance Plc Not upheldInsurance (excluding PPI)Mr W has complained about Pinnacle Insurance Plc. He isn’t happy that he has had to pay his pet insurance premium by monthly direct debit.backgroundMr W had a pet insurance policy but the underwriter changed to Pinnacle at renewal. It advised Mr W that he wouldn’t b... (1 page)View decision -
Decision Reference DRN2042583
9 Oct 2015 Creation Consumer Finance Ltd UpheldBanking and creditMrs M is unhappy with the quality of a sofa she bought under a finance agreement with Creation Consumer Finance Ltd.our initial conclusionsThe adjudicator recommended that the complaint should be upheld in part. She considered Mrs M should not have been charged £300 for a replaceme... (2 pages)View decision -
Decision Reference DRN1994233
9 Oct 2015 National Westminster Bank Plc UpheldBanking and creditH, a limited company, complains about the time taken by National Westminster Bank Plc to open its business account. H is represented by its director, who I will call Ms Y. It asks for compensation for costs and financial loss and an apology. background Initially, Ms Y ... (2 pages)View decision -
Decision Reference DRN7661210
9 Oct 2015 UK Insurance Limited Not upheldInsurance (excluding PPI)Mr T has complained that U K Insurance Limited (UKI) refused to pay a claim he made under his motor legal protection policy for his legal expenses to defend criminal proceedings against him.backgroundMr T was involved in an incident with a cyclist and he was arres... (2 pages)View decision -
Decision Reference DRN9114875
9 Oct 2015 NewDay Ltd UpheldBanking and creditMiss M complains that NewDay Ltd did not advise her to update her address details when it took over the management of her store card account. backgroundMiss M had a store account card. She received a letter in July 2014 from NewDay which told her that it had taken o... (2 pages)View decision -
Decision Reference DRN5216251
9 Oct 2015 Zenith Insurance plc UpheldInsurance (excluding PPI)Mr M complains about the valuation of his van by Zenith Insurance plc following a claim against his motor insurance policy. background In April 2015, Mr M’s van was stolen and it hasn’t been recovered. He made a claim against his motor insurance policy and in late ... (3 pages)View decision
