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 118878 results
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Decision Reference DRN-3838864
2 Dec 2022 AWP P&C SA UpheldInsuranceDRN-3838864 The complaint Mr and Mr P are unhappy with the way in which AWP P&C SA handled a claim made on their travel insurance policy. What happened Mr and Mrs P had the benefit of an annual travel insurance policy, underwritten by AWP (‘the policy’). At the end of January 2021, and... (6 pages)View decision -
Decision Reference DRN-3576328
2 Dec 2022 Link Financial Outsourcing Limited UpheldConsumer CreditDRN-3576328 The complaint Mrs G complains about a fixed sum loan she took out with a finance provider, to pay for an educational course. In November 2022, Link Financial Outsourcing Limited trading as Asset Link Capital (No.9) became the legal owner of Mrs G’s loan. So for ease, I’ve just ... (4 pages)View decision -
Decision Reference DRN-3838648
2 Dec 2022 QBE UK Limited UpheldInsuranceDRN-3838648 The complaint A limited company, which I will call H, has complained about QBE UK Limited’s settlement of a claim for business interruption under its business insurance policy. Mr C, as a director of H, has brought the complaint on its behalf. What happened I issued a provision... (4 pages)View decision -
Decision Reference DRN-3319742
2 Dec 2022 PrisWM Limited UpheldPensions and AnnuitiesDRN-3319742 The complaint Mrs R complains about the suitability of the advice provided by PrisWM Limited (“PWM”) in November 2017 to transfer the value of her safeguarded benefits in the British Steel Pension Scheme (“BSPS”) to a self-invested personal pension (“SIPP”). Mrs R is represente... (13 pages)View decision -
Decision Reference DRN-3768291
2 Dec 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3768291 The complaint Mr L complains that Santander UK Plc blocked and closed his accounts after returning a cheque that was deposited. He’s also unhappy that it recorded information about this with a fraud prevention agency. What happened In September 2020 a cheque was deposited into ... (2 pages)View decision -
Decision Reference DRN-3782503
2 Dec 2022 Casualty & General Insurance Company (Europe) Ltd UpheldInsuranceDRN-3782503 The complaint Mrs M complains that Casualty & General Insurance Company (Europe) Ltd unfairly declined a claim she made on her pet insurance policy. What happened In December 2021, Mrs M’s dog was diagnosed with Cushing’s disease. She made several claims on the policy for t... (4 pages)View decision -
Decision Reference DRN-3732643
2 Dec 2022 Bank of Scotland Plc UpheldMortgagesDRN-3732643 The complaint Miss G complains about incorrect advice that Bank of Scotland plc (“BoS”) gave to her about combining her three mortgage sub-accounts into one. What happened Miss G said she was given wrong advice by BoS. She has three separate sub-accounts within her mortgage wit... (3 pages)View decision -
Decision Reference DRN-3794582
2 Dec 2022 AXA Insurance UK Plc UpheldInsuranceDRN-3794582 The complaint Mr J complains about how AXA Insurance UK Plc (AXA) settled a claim he made on his motor trade policy. Reference to AXA includes its agents. What happened Mr J holds a motor trade policy with AXA. After Mr J’s car was hit while parked, he made a claim to AXA for t... (2 pages)View decision -
Decision Reference DRN-3758286
2 Dec 2022 Gallium Fund Solutions Limited UpheldInvestmentsDRN-3758286 The complaint Mrs D complains about a three-year bond she invested into, issued by Basset & Gold Plc (“B&G Plc”), an appointed representative of Gallium Fund Solutions Limited (“Gallium”). She says the bond was mis-sold to her as she was misled to believe it was a much ... (24 pages)View decision -
Decision Reference DRN-3483646
2 Dec 2022 D C Financial Limited UpheldPensions and AnnuitiesDRN-3483646 The complaint Mr K complains about the advice given by D C Financial Limited (‘DCF’) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a self-invested personal pension (‘SIPP’). He says the advice was unsuitable for him and believes this ha... (14 pages)View decision
