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
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Decision Reference DRN-4591866
29 Feb 2024 CST Wealth Management Limited UpheldPensions and AnnuitiesDRN-4591866 The complaint Mr W complains that he was given unsuitable advice by CST Wealth Management Limited (‘CST’) to transfer the benefits from his defined benefit (‘DB’) scheme with British Steel (‘BSPS’) to a self-invested personal pension (‘SIPP’). He says the advice was unsuitable ... (7 pages)View decision -
Decision Reference DRN-4386747
29 Feb 2024 Wise Payments Limited UpheldBanking and PaymentsDRN-4386747 The complaint Mr B complains that Wise Payments Limited (Wise) is refusing to refund him the amount he lost as the result of a scam. Mr B is being represented by a third party. To keep things simple, I will refer to Mr B throughout my decision. What happened The background of t... (3 pages)View decision -
Decision Reference DRN-4652925
29 Feb 2024 The National Farmers' Union Mutual Insurance Society Limited UpheldInsuranceDRN-4652925 The complaint Mr and Mrs B complain that The National Farmers’ Union Mutual Insurance Society Limited (“NFU”) mis-sold an all-risks insurance policy for their farm which in turn led to a claim being declined. Any reference to Mr and Mrs B or NFU includes any respective agents a... (7 pages)View decision -
Decision Reference DRN-4545548
29 Feb 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4545548 The complaint Mrs E complains that Barclays Bank UK PLC (Barclays) won’t refund money she paid to a company in 2016. What happened Mrs E is represented by her son, who holds a Lasting Power of Attorney (LPA) over her financial affairs. As it is he who contacted Barclays and thi... (4 pages)View decision -
Decision Reference DRN-4604474
29 Feb 2024 Derbyshire Home Loans Ltd Not upheldMortgagesDRN-4604474 The complaint Miss B complains about her mortgage with Derbyshire Home Loans Ltd (DHLL). She complains she was led to believe it’s a buy to let mortgage when it’s actually a residential mortgage. She complains about the interest and payments. And she complains that requirements... (6 pages)View decision -
Decision Reference DRN-4654349
29 Feb 2024 Sun Life Assurance Company of Canada (U.K.) Limited UpheldInvestmentsDRN-4654349 The complaint Mr T complained, through a claims management company (CMC), that Sun Life Assurance Company of Canada (U.K.) Limited (Sun Life) provided unsuitable investment advice when it recommended Mr T to invest in a savings plan. Mr T, through his representative, said he ha... (5 pages)View decision -
Decision Reference DRN-4482615
29 Feb 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4482615 The complaint Ms D complains about overdraft interest, fees and charges applied by Santander UK Plc while she was experiencing financial difficulties. What happened Ms D has a current account with Santander and in April 2014 an overdraft facility of £3,250 was approved. Ms D u... (3 pages)View decision -
Decision Reference DRN-4606970
29 Feb 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4606970 The complaint Mr and Mrs S complain that Santander UK Plc removed their overdraft facility without notice. What happened Mr and Mrs S were abroad and were unable to withdraw money from the cash machine. Mrs S called Santander and explained that they were abroad with no money. S... (2 pages)View decision -
Decision Reference DRN-4428459
29 Feb 2024 Lloyds Bank PLC Not upheldMortgagesDRN-4428459 The complaint Mr A complains that Lloyds Bank PLC failed to provide him correct information about his mortgage account and he’s lost out as a result. What happened Mr A has an interest only mortgage in joint names which came to an end in February 2022. It is only Mr A that resi... (3 pages)View decision -
Decision Reference DRN-4653203
29 Feb 2024 U K Insurance Limited UpheldInsuranceDRN-4653203 The complaint Mrs H complains about the length of time it took UK Insurance Limited trading as Churchill Insurance (UKI) to complete remedial works following a claim on her buildings insurance policy to repair damage caused by a blocked drain. Any reference to UKI includes the ... (2 pages)View decision
