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 367928 results
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Decision Reference DRN-5422400
25 Mar 2025 Financial Administration Services Limited Not upheldInvestmentsDRN-5422400 The complaint Mrs S is represented (by ‘R’). Her portfolio of investments is held on the platform provided by Financial Administration Services Limited, trading as Fidelity. Her complaint relates to her Individual Savings Account (‘ISA’) on the platform. In the complaint fo... (5 pages)View decision -
Decision Reference DRN-5373486
25 Mar 2025 Zurich Assurance Ltd Not upheldInsuranceDRN-5373486 The complaint Mr T and Mrs T have complained that Zurich Assurance Ltd declined a claim made under their decreasing term assurance policy. What happened The background to this complaint is well known to the parties. In summary in 2015, Mrs T was hospitalised with Transverse ... (2 pages)View decision -
Decision Reference DRN-5328283
25 Mar 2025 Federal Capital Limited Not upheldBanking and PaymentsDRN-5328283 The complaint Mrs N complains in her capacity as a guarantor of a commercial loan. She complains that Federal Capital Ltd unreasonably issued a bankruptcy petition against her, and charged punitive interest. What happened There is some dispute about what happened here. Howe... (3 pages)View decision -
Decision Reference DRN-5318994
25 Mar 2025 HDI Global Specialty SE UpheldInsuranceDRN-5318994 The complaint Mr T, a sole trader, complains HDI Global Specialty SE turned down a claim he made on his business protection insurance policy. What happened Mr T took out business protection insurance with HDI in December 2023. The policy schedule says his ‘Trade / Business a... (4 pages)View decision -
Decision Reference DRN-5100661
25 Mar 2025 Interactive Investor Trading Limited Not upheldInvestmentsDRN-5100661 The complaint Mrs E complains about Interactive Investor Trading Limited (Interactive). She said Interactive took a long time to provide her with a consolidated tax certificate (CTC). Mrs E said she would like Interactive to compensate her for the distress and inconvenience ... (4 pages)View decision -
Decision Reference DRN-5356897
25 Mar 2025 U K Insurance Limited UpheldInsuranceDRN-5356897 The complaint Mrs H complains about the settlement offered by U K Insurance Limited (“UKI”) after her car was involved in a collision and deemed a total loss. What happened In October 2024 Mrs H’s car was involved in a collision when it was parked and it was subsequently dec... (3 pages)View decision -
Decision Reference DRN-5375091
25 Mar 2025 Domestic & General Insurance Plc UpheldInsuranceDRN-5375091 The complaint Ms A is unhappy that Domestic & General Insurance Plc (D&G) sent her correspondence in the post rather than by email. What happened Ms A held several appliance insurance policies through D&G. And in December 2024 she contacted it to purchase anothe... (2 pages)View decision -
Decision Reference DRN-5290010
25 Mar 2025 Red Sands Insurance Company (Europe) Limited UpheldInsuranceDRN-5290010 The complaint Mr M is complaining that Red Sands Insurance Company (Europe) Limited (‘Red Sands’) declined a claim he made on his pet insurance policy. What happened In May 2024 Mr M contacted Red Sands to claim for a veterinary bill he’d incurred for his dog. The vet had sa... (4 pages)View decision -
Decision Reference DRN-5229240
25 Mar 2025 Lycett, Browne-Swinburne and Douglass Limited Not upheldInsuranceDRN-5229240 The complaint Mr S with the assistance of his representative, complains that Lycett, Browne-Swinburne and Douglass Limited (LBSD) has treated him unfairly when acting as a broker for his insurance policy. Mr S is concerned that LBSD has not acted in his best interest when so... (5 pages)View decision -
Decision Reference DRN-5395892
25 Mar 2025 Chubb European Group SE UpheldInsuranceDRN-5395892 The complaint Mr I is unhappy with what Chubb European Group SE did after he made a claim on his mobile phone insurance policy. What happened In June 2024 the back panel of Mr I’s iPhone was damaged following an accident. He thought his policy with Chubb included AppleCare c... (3 pages)View decision
