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 360264 results
-
Decision Reference DRN-4734490
18 Apr 2024 Marks & Spencer Financial Services plc Not upheldBanking and PaymentsDRN-4734490 The complaint Mr R is unhappy that Marks & Spencer Financial Services Plc trading as M&S Bank (‘M&S’) declined his application for a credit card. What happened On 13 December 2023, Mr R applied online for a credit card with M&S. However, his application didn’t m... (2 pages)View decision -
Decision Reference DRN-4666346
18 Apr 2024 First Central Underwriting Limited Not upheldInsuranceDRN-4666346 The complaint Mrs K has complained that First Central Underwriting Limited unfairly cancelled her motor policy as if it never existed and refused to deal with her claim because she didn’t disclose her new car was modified. Mrs K is represented by her husband who also represente... (3 pages)View decision -
Decision Reference DRN-4718559
18 Apr 2024 Amtrust Europe Limited Not upheldInsuranceDRN-4718559 The complaint Ms F and Mr S’ complaint is about a claim they made on their Amtrust Europe Limited (‘Amtrust’) legal expenses insurance policy, which was declined. Ms F and Mr S feel that Amtrust treated them unfairly. In this decision all references to Amtrust include their cla... (3 pages)View decision -
Decision Reference DRN-4634691
18 Apr 2024 Advantage Insurance Company Limited UpheldInsuranceDRN-4634691 The complaint Mr M complains Advantage Insurance Company Limited is unfairly seeking to recover motor insurance claim costs from him. What happened Mr M’s Advantage motor insurance policy renewed in January 2020. In October 2020 his vehicle was damaged in a collision with a thi... (3 pages)View decision -
Decision Reference DRN-4696358
18 Apr 2024 American International Group UK Limited Not upheldInsuranceDRN-4696358 The complaint Mr S complains about the way American International Group UK Limited (“AIG”) handled a claim under his mobile phone insurance policy. What happened On 22 August 2023, Mr S made a claim under his mobile phone insurance policy as he’d lost his phone. AIG requested... (2 pages)View decision -
Decision Reference DRN-4545523
18 Apr 2024 Marks & Spencer Financial Services plc Not upheldConsumer CreditDRN-4545523 The complaint Mr W complains that Marks and Spencer Financial Services Plc (“M&S” hasn’t credited all of his repayments to his loan account. What happened In July 2022 Mr W took out a loan with M&S for £13,000. Mr W believes that he’s made a number of repayments which h... (2 pages)View decision -
Decision Reference DRN-4750211
18 Apr 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4750211 The complaint Mr M and Ms S have complained that National Westminster Bank Plc (‘NatWest’) blocked their account without providing an explanation and that this led to them suffering various losses. What happened Mr M and Ms S got in touch with NatWest in November 2022 after th... (4 pages)View decision -
Decision Reference DRN-4742676
18 Apr 2024 Starling Bank Limited Not upheldBanking and PaymentsDRN-4742676 The complaint Ms S complains that Starling Bank Limited won’t refund or recover the money she lost to a scam. What happened In June 2023 Ms S used a well-known booking website to book a hotel. She says that she was then contacted via a messaging service by someone claiming to b... (2 pages)View decision -
Decision Reference DRN-4749132
18 Apr 2024 Equifax Limited Not upheldConsumer CreditDRN-4749132 The complaint Mr C is unhappy with his Equifax Limited credit score. What happened Mr C was unhappy with his low Equifax credit score, particularly as his credit score with another credit reference agency (CRA) was much higher. Mr C said that a negative marker on his credit fil... (3 pages)View decision -
Decision Reference DRN-4700082
18 Apr 2024 Scottish Widows Limited Not upheldPensions and AnnuitiesDRN-4700082 The complaint Miss K is unhappy that her personal pension plan (PPP) with Scottish Widows Limited (Scottish Widows) has decreased in value significantly. What happened In 2008 Miss K says that her employer set up a stakeholder PPP. After her employment ended the funds remained ... (5 pages)View decision
