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-4803747
20 Jun 2024 The Royal London Mutual Insurance Society Limited Not upheldPensions and AnnuitiesDRN-4803747 The complaint Mr B has complained about a transfer of his personal pension provided by The Royal London Mutual Insurance Society Limited to an occupational pension scheme in January 2013. Mr B’s occupational scheme was subsequently found to be a vehicle for pension liberation, ... (6 pages)View decision -
Decision Reference DRN-4824687
20 Jun 2024 Evergreen Finance London Limited UpheldConsumer CreditDRN-4824687 The complaint Mr L complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (MoneyBoat) lent to him irresponsibly. What happened Mr L took nine loans from MoneyBoat. A few details are in the table below. Loan Approved Amount Original Term Paid back 1 17 Februa... (4 pages)View decision -
Decision Reference DRN-4859828
19 Jun 2024 The Royal London Mutual Insurance Society Limited UpheldInsuranceDRN-4859828 The complaint Mr J complains that The Royal London Mutual Insurance Society Limited incorrectly stopped collecting the premiums for his life and critical illness cover policy, which caused the policy to be cancelled. What happened In 2005, Mr J took out a level term life and cr... (4 pages)View decision -
Decision Reference DRN-4850278
13 Jun 2024 Evergreen Finance London Limited UpheldConsumer CreditDRN-4850278 The complaint Ms T complains through a representative, that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided her with a loan she couldn’t afford to repay. What happened Ms T was advanced one loan of £300 on 21 June 2019. Ms T was due to make th... (4 pages)View decision -
Decision Reference DRN-4674165
12 Jun 2024 London Mutual Credit Union Limited UpheldBanking and PaymentsDRN-4674165 The complaint Ms J complains that her London Mutual Credit Union (“LMCU”) card was declined for contactless payment numerous times. What happened Ms J says that her LMCU card stopped working when trying to pay for bus travel on new year’s day when she was taking her children on... (2 pages)View decision -
Decision Reference DRN-4842872
10 Jun 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4842872 The complaint Ms H complains that London & Colonial Services Limited (‘L&C’) failed to carry out sufficient due diligence before accepting her Self-Invested Personal Pension (‘SIPP’) and investment applications, causing her a loss. For simplicity, I refer to Ms H throug... (34 pages)View decision -
Decision Reference DRN-4837206
6 Jun 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4837206 The complaint Mr T has a self-invested personal pension (‘SIPP’) with London & Colonial Services Limited (‘L&C’). Mr T complains that L&C failed to carry out appropriate due diligence checks on his SIPP application which led him to invest in a non-mainstream investm... (34 pages)View decision -
Decision Reference DRN-4827335
4 Jun 2024 The Royal London Mutual Insurance Society Limited UpheldPensions and AnnuitiesDRN-4827335 The complaint This complaint is about a transfer of a personal pension policy Mr M held with The Royal London Mutual Insurance Society Limited (“Royal London”). In June 2014, he transferred this to a small self-administered scheme (“SSAS”). Mr M’s SSAS was subsequently used to ... (13 pages)View decision -
Decision Reference DRN-4175490
30 May 2024 London Capital Group Ltd Not upheldInvestmentsDRN-4175490 The complaint Mrs H complained about London Capital Group Ltd (LCG). She said it voided trades she made and then informed her it was closing her account. She said it was unfair of it to do this. Mrs H would like LCG to return the profit she made on the voided trades, pay intere... (4 pages)View decision -
Decision Reference DRN-4740878
30 May 2024 Evergreen Finance London Limited UpheldConsumer CreditDRN-4740878 The complaint Mr H complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) pushed him into accepting a number of repayment plans which were unaffordable for him. The plans failed and Mr H ended up with a County Court Judgement (CCJ). What happen... (4 pages)View decision