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-4816197
24 May 2024 London and Country Mortgages Ltd UpheldMortgagesDRN-4816197 The complaint Mr and Mrs S complain that London and Country Mortgages Ltd (L&C) delayed their mortgage application. As a result, they said they lost out the interest rate they wanted. What happened In July 2022 L&C recommended that Mr and Mrs S should take a mortgage wi... (3 pages)View decision -
Decision Reference DRN-4803254
17 May 2024 London Community Credit Union Limited UpheldConsumer CreditDRN-4803254 The complaint Miss W has complained about the way London Community Credit Union Ltd (LCCU) administered a loan agreement she’d entered into. What happened To summarise, Miss W entered into a personal loan agreement with LCCU in May 2019 to borrow £2,000. The agreement sets out ... (4 pages)View decision -
Decision Reference DRN-4790248
13 May 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4790248 The complaint Mr M has a self-invested personal pension (‘SIPP’) with London & Colonial Services Limited (‘L&C’). Mr M complains L&C failed to carry out appropriate due diligence checks on his SIPP application which led him to invest in non-mainstream investments. T... (40 pages)View decision -
Decision Reference DRN-4748601
10 May 2024 Evergreen Finance London Limited Not upheldConsumer CreditDRN-4748601 The complaint Mr S complains Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) gave him a loan without carrying out sufficient affordability checks. Mr S is also unhappy that MoneyBoat didn’t help him set up a repayment plan or freeze the interest when h... (7 pages)View decision -
Decision Reference DRN-4672148
8 May 2024 The Royal London Mutual Insurance Society Limited UpheldPensions and AnnuitiesDRN-4672148 The complaint Mr F complains about the way that The Royal London Mutual Insurance Society Limited (Royal London) dealt with his request to transfer his personal pension. Mr F explains that Royal London’s failure to highlight the risks of pension liberation scams – unauthorised ... (10 pages)View decision -
Decision Reference DRN-4783008
7 May 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4783008 The complaint Mr H complains that London & Colonial Services Limited (‘L&C’) failed to meet its obligations to deal with him fairly as a retail client, permitted a transfer to an unsuitable pension, which then facilitated the purchase of an unsuitable investment. He say... (46 pages)View decision -
Decision Reference DRN-4575619
3 May 2024 London and Country Mortgages Ltd UpheldMortgagesDRN-4575619 The complaint Mr H and Ms W’s complaint is about the service London & Country Mortgages Ltd (L&C) provided them with when they asked it to arrange a mortgage for them in the spring of 2023. They consider the delays caused by L&C have meant they will have to pay a hi... (4 pages)View decision -
Decision Reference DRN-4509055
1 May 2024 The Royal London Mutual Insurance Society Limited Not upheldPensions and AnnuitiesDRN-4509055 The complaint Mr H is unhappy that Royal London Mutual Insurance Society (Royal London) didn’t complete a switch request in 2019 and caused delays when he contacted them for an annuity quote, he wanted his annuity to begin on 31 August 2023. He says he was unaware of an early e... (5 pages)View decision -
Decision Reference DRN-4757408
1 May 2024 Evergreen Finance London Limited UpheldConsumer CreditDRN-4757408 The complaint Mr P complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided him with loans without carrying out sufficient affordability checks. What happened A summary of Mr P’s borrowing can be found below. loan number loan amount agre... (5 pages)View decision -
Decision Reference DRN-4732243
1 May 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4732243 The complaint Mr W complains London & Colonial Services Limited (‘L&C’) didn’t undertake sufficient due diligence on the firm, 1 Stop Financial Services (‘1 Stop’), that introduced him to L&C. Mr W also complains L&C didn’t undertake sufficient due diligence on ... (46 pages)View decision