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 2116 results
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Decision Reference DRN-5938034
7 Jan 2026 The Royal London Mutual Insurance Society Limited Not upheldInsuranceDRN-5938034 The complaint Mrs R complains about the way The Royal London Mutual Insurance Society Limited trading as Scottish Provident (Scottish Provident) has calculated the monthly payment she’s due for a Disability Income Benefit claim she made on a mortgage assurance policy. Mrs R’... (4 pages)View decision -
Decision Reference DRN-6023671
31 Dec 2025 The Royal London Mutual Insurance Society Limited Not upheldPensions and AnnuitiesDRN-6023671 The complaint Mr B complains that The Royal London Mutual Insurance Society Limited (RL) invested him in a default fund despite his instructions not to. He believes this may have caused him a loss. What happened The investigator set out the background to this complaint in hi... (4 pages)View decision -
Decision Reference DRN-5922289
30 Dec 2025 The Royal London Mutual Insurance Society Limited Not upheldInsuranceDRN-5922289 The complaint Mr L is unhappy that The Royal London Mutual Insurance Society Limited has declined a claim he made on a life and critical illness policy. What happened Mr L took out a life and critical illness policy via an independent financial advisor (IFA). The policy incl... (4 pages)View decision -
Decision Reference DRN-5895744
19 Dec 2025 London General Insurance Company Limited UpheldInsuranceDRN-5895744 The complaint Mr A complains about the costs incurred due to London General Insurance Company Limited’s (LG) actions following a claim on a motor warranty. What happened Mr A took out a motor warranty with LG in February 2023. I’m sorry to hear Mr A’s car suffered a transmis... (3 pages)View decision -
Decision Reference DRN-5907840
17 Dec 2025 London Capital Credit Union Limited UpheldConsumer CreditDRN-5907840 The complaint Mr R complains about London Capital Credit Union Limited’s (LCCU) decision to decline his loan application, after already having told him it’d been approved. What happened In May 2025, Mr R applied for a loan from LCCU. He says he was told on multiple occasions... (3 pages)View decision -
Decision Reference DRN-6024035
16 Dec 2025 Evergreen Finance London Limited Not upheldConsumer CreditDRN-6024035 The complaint Mr G complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat” irresponsibly lent to him. What happened MoneyBoat provided Mr G with a short-term loan for £800 in January 2025, with a total amount repayable of £1,519.08 over 175 da... (7 pages)View decision -
Decision Reference DRN-5726850
15 Dec 2025 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5726850 The complaint Miss B complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (MoneyBoat) lent to her irresponsibly when they provided her with two personal loans. What happened In 2024, Miss B was provided with two short-term loans from MoneyBoat. I’ve i... (4 pages)View decision -
Decision Reference DRN-5729860
15 Dec 2025 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5729860 The complaint Evergreen Finance London Limited trading as MoneyBoat.co.uk(“MoneyBoat”) provided Miss J with a £500 loan in in February 2025. Miss J says the credit was provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I wo... (2 pages)View decision -
Decision Reference DRN-5927100
15 Dec 2025 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5927100 The complaint Ms M complains through a third-party representative. Ms M says Evergreen Finance London Limited trading as MoneyBoat.co.uk irresponsibly lent to her. Ms M also says the lending resulted in an unfair relationship under s140a of the Consumer Credit Act 1974 What ... (3 pages)View decision -
Decision Reference DRN-5822139
15 Dec 2025 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5822139 The complaint Mr J complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk irresponsibly lent to him. What happened MoneyBoat lent Mr J one loan in December 2022, the loan was for £500 to be repaid in three monthly instalments of around £240 each. The loa... (3 pages)View decision