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 125267 results
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Decision Reference DRN-3867483
5 Jan 2023 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3867483 The complaint Mr R complains that Creation Consumer Finance Ltd (“Creation”) were unreasonable to reject a claim he made to them under section 75 of the Consumer Credit Act 1974 (“section 75”). What happened The details of this complaint are well known to both parties, so I won... (3 pages)View decision -
Decision Reference DRN-3883984
5 Jan 2023 HSBC UK Bank Plc UpheldInsuranceDRN-3883984 The complaint Mr W has complained on behalf of himself and the estate of the late Mrs W, about the amount of compensation HSBC UK Bank Plc paid for the mis-sale of a payment protection insurance (PPI) policy. What happened Mr W complained about the sale of PPI on his and the la... (3 pages)View decision -
Decision Reference DRN-3859077
5 Jan 2023 ATLANTA 1 INSURANCE SERVICES LIMITED UpheldInsuranceDRN-3859077 The complaint Ms K has complained about the fees she was charged by ATLANTA 1 INSURANCE SERVICES LIMITED (‘Atlanta’) after she cancelled her motor insurance policy and generally about the way it administered her policy. What happened Ms K took out a motor insurance policy throu... (4 pages)View decision -
Decision Reference DRN-3853001
5 Jan 2023 Investec Wealth & Investment Limited UpheldInvestmentsDRN-3853001 The complaint Mr P complains that Investec Wealth & Investment Limited failed to manage his investment portfolio in line with the discretionary mandate he agreed to. What happened In 2017, Mr P held an account with Investec and agreed for his portfolio to be managed on a di... (5 pages)View decision -
Decision Reference DRN-3728898
5 Jan 2023 Vitality Health Limited UpheldInsuranceDRN-3728898 The complaint Mr B complains that Vitality Health Limited unfairly declined his private medical insurance policy and that the policy was mis-sold. My references to Vitality include its agents which include the business that sold the policy to Mr B. What happened In June 2019 Vi... (4 pages)View decision -
Decision Reference DRN-3883290
5 Jan 2023 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-3883290 The complaint Mr H complained that Royal & Sun Alliance Insurance Limited (“RSA”) unfairly declined his storm claim under his home insurance policy. What happened Mr H made a claim to RSA for the damage caused to his main property and calf shed by a storm. RSA instructed Mr... (4 pages)View decision -
Decision Reference DRN-3802997
5 Jan 2023 Portal Financial Services LLP UpheldPensions and AnnuitiesDRN-3802997 The complaint Mr C is represented. He says Portal Financial Services LLP (‘Portal’) gave him unsuitable advice in 2017 to switch from the Defined Contributions Pension (the ‘pension’) he had to a Self-Invested Personal Pension (the ‘SIPP’). His representative says Portal conduc... (6 pages)View decision -
Decision Reference DRN-3860127
5 Jan 2023 Zurich Assurance Ltd UpheldInsuranceDRN-3860127 The complaint Mr G complains about the decision by Zurich Assurance Ltd to terminate his income protection claim. What happened Mr G is covered by his employer’s group income protection scheme, the aim of which is to pay benefit in the event he can’t work because of illness or ... (5 pages)View decision -
Decision Reference DRN-3878663
5 Jan 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3878663 The complaint Mr M complains that HSBC UK Bank Plc unfairly recorded a default on his credit file. What happened In 2016, Mr M was added as a joint account holder to his brother’s existing bank account with HSBC. The account had been open since 2012. In March 2022, Mr M said he... (3 pages)View decision -
Decision Reference DRN-3883558
5 Jan 2023 Halifax Share Dealing Limited UpheldPensions and AnnuitiesDRN-3883558 The complaint Mr F has complained about what he considers to have been delays created by Halifax Share Dealing Limited in the sale proceeds of shares he held being counted as “tradable funds” for reinvestment. As such, Mr F considers that he has lost out on a number of shares i... (11 pages)View decision
