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-5726914
13 Mar 2026 AmTrust Specialty Limited UpheldInsuranceDRN-5726914 The complaint Mr C has complained about Amtrust Specialty Limited’s (Amtrust’s) handling of a claim he made under his new home building warranty. Any reference to Amtrust in this decision also includes its agents or representatives, including loss adjusters, surveyors, engin... (8 pages)View decision -
Decision Reference DRN-6223144
13 Mar 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6223144 The complaint Mr C’s complaint is, in essence, that Clydesdale Financial Services Limited, trading as Barclays Partner Finance, (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Cred... (4 pages)View decision -
Decision Reference DRN-6162937
13 Mar 2026 Accelerant Insurance UK Limited Not upheldInsuranceDRN-6162937 The complaint Mrs M has complained that Accelerant Insurance UK Limited (‘Accelerant’) declined her claim. What happened Mr and Mrs M booked a holiday on 1 March 2025 and bought travel insurance, underwritten by Accelerant on 22 April 2025. All reference to Accelerant includ... (2 pages)View decision -
Decision Reference DRN-5876025
13 Mar 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5876025 The complaint Mrs M is complaining that Revolut Ltd hasn’t refunded payments that were made to an investment scam. The complaint is brought on her behalf by a professional representative, but I’ll mainly refer to Mrs M here. What happened Mr and Mrs M came across an advert ... (4 pages)View decision -
Decision Reference DRN-5961013
13 Mar 2026 Paragon Bank Plc Not upheldMortgagesDRN-5961013 The complaint This complaint is about a buy to let (“BTL”) mortgage application made to Paragon Bank Plc by M, a limited company. The complaint has been brought by Mr M in his capacity as its director. Any mention of Mr M in this decision should be taken in that context. Mr ... (3 pages)View decision -
Decision Reference DRN-6052883
13 Mar 2026 RAC Insurance Limited Not upheldInsuranceDRN-6052883 The complaint Mr C is unhappy with the type of tyre fitted to his car by RAC Insurance Limited after he made a claim on his breakdown policy. What happened In June 2025 Mr C made a claim under the tyre replacement part of his breakdown cover because one of his tyres had a n... (3 pages)View decision -
Decision Reference DRN-5531433
13 Mar 2026 Quay Solution: Financial Management Limited Not upheldInsuranceDRN-5531433 The complaint Mr C and Ms F complain about advice they were given to take out life assurance cover by Quay Solution: Financial Management Limited (“Quay”). What happened Mr C and Ms F received mortgage and protection advice from Quay in November 2023. A Terms of Business ag... (5 pages)View decision -
Decision Reference DRN-5895976
13 Mar 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5895976 The complaint Mrs S complains about the actions of Revolut Ltd when she lost money to a scam. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the key events here. Around early January ... (3 pages)View decision -
Decision Reference DRN-6021854
13 Mar 2026 St. James's Place Wealth Management Plc UpheldInvestmentsDRN-6021854 The complaint Mr M as a trustee of The Trust complains that St. James’s Place Wealth Management Plc (SJP) charged him an ongoing advice fee but didn’t provide any advice. What happened Mr M invested £400,000 in the Managed Funds Portfolio with SJP. This was done via a trust... (3 pages)View decision -
Decision Reference DRN-5964211
13 Mar 2026 Assurant General Insurance Limited Not upheldInsuranceDRN-5964211 The complaint Mr S complains that Assurant General Insurance Limited unfairly declined a claim under his mobile phone insurance policy. Where I refer to Assurant, this includes the actions of its agents and claims handlers for which it takes responsibility. What happened T... (3 pages)View decision