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 342371 results
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Decision Reference DRN-4778171
8 Jul 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4778171 The complaint Mr P complains that Santander UK Plc closed his account and didn’t tell him. Mr P also complains that Santander haven’t returned his closing balance. What happened Mr P held a savings account with Abbey National, which he managed using a passbook. Mr P has said t... (2 pages)View decision -
Decision Reference DRN-4856245
8 Jul 2024 Advantage Insurance Company Limited Not upheldInsuranceDRN-4856245 The complaint Miss R complains that Advantage Insurance Company Limited wanted to cancel her telematics motor insurance policy. She thinks the policy’s requirements were unclear. She wants compensation for the increased cost of new cover elsewhere and for her trouble and upset.... (2 pages)View decision -
Decision Reference DRN-4893783
8 Jul 2024 Accredited Insurance (Europe) Ltd UpheldInsuranceDRN-4893783 The complaint Miss M complains about Accredited Insurance (Europe) Ltd’s handling of a claim made under her home insurance policy and their subsequent decision to void her policy and decline the claim. What happened The background to this complaint is complex but it’s well know... (11 pages)View decision -
Decision Reference DRN-4849237
8 Jul 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4849237 The complaint Mr B is unhappy that Monzo Bank Ltd applied a Cifas marker against his name. He wants the marker removed. What happened The background to this complaint is well known to both parties and so I’ll only refer to some key events here. Mr B received two payments into h... (4 pages)View decision -
Decision Reference DRN-4769967
8 Jul 2024 Funding Circle Ltd Not upheldBanking and PaymentsDRN-4769967 The complaint A company, which I’ll refer to as P, complains that it was mis-sold a £75,000 loan (the Loan) by Funding Circle Ltd (Funding Circle). In particular, P says that in initial discussions about the Loan, Funding Circle failed accurately to represent the true cost. In ... (5 pages)View decision -
Decision Reference DRN-4856323
8 Jul 2024 Covea Insurance plc UpheldInsuranceDRN-4856323 The complaint Mr K complains that Covea Insurance plc unfairly handled a claim on his motor insurance policy. Part of this complaint concerns the actions of agents for which Covea is responsible. Any reference to Covea includes its agents. What happened Mr K held a motor insura... (4 pages)View decision -
Decision Reference DRN-4758108
8 Jul 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4758108 The complaint Mr S complains that Santander UK Plc rejected his application for a credit card account. What happened Mr S applied for a credit card with Santander. He completed the eligibility checker and was given an indication that he met the criteria. Mr S also checked his c... (2 pages)View decision -
Decision Reference DRN-4562041
8 Jul 2024 RCI Financial Services Limited Not upheldConsumer CreditDRN-4562041 The complaint Mr D has complained to us about a hire purchase agreement with RCI Financial Services Limited trading as Nissan Financial Services (“RCI Financial”). What happened On 18 January 2023 Mr D acquired a new car through an agreement with RCI Financial. Unfortunately th... (2 pages)View decision -
Decision Reference DRN-4895966
8 Jul 2024 Equiniti Financial Services Limited UpheldInvestmentsDRN-4895966 The complaint Mrs F complains that Equiniti Financial Services Limited (‘EFSL’) sent her a cheque for the proceeds of the sale of some shares in her previous married name despite her informing it of her name change and sending it the necessary documents to act many years ago. M... (7 pages)View decision -
Decision Reference DRN-4800394
8 Jul 2024 Advanced Payment Solutions Limited Not upheldBanking and PaymentsDRN-4800394 The complaint M, a limited company, complains that Advanced Payments Solutions Limited (trading as Cashplus) unreasonable closed their account and withheld their funds. What happened M held an account with Cashplus. But in July 2023 they discovered that they could no longer acc... (2 pages)View decision