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-4537245
4 Jan 2024 Evergreen Finance London Limited UpheldConsumer CreditDRN-4537245 The complaint Mr C complained through a representative that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) failed to take reasonable steps to ensure the loans it lent him were affordable. What happened A summary of Mr C’s borrowing can be found below.... (5 pages)View decision -
Decision Reference DRN-4536270
4 Jan 2024 Evergreen Finance London Limited UpheldConsumer CreditDRN-4536270 The complaint Miss W complains Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided her with loans even though she had outstanding payday loans and wasn’t working at the time. What happened A summary of Miss W’s borrowing can be found below. loan n... (7 pages)View decision -
Decision Reference DRN-4534328
3 Jan 2024 London and Country Mortgages Ltd UpheldMortgagesDRN-4534328 The complaint Mr S and Mrs N complain that London and Country Mortgages Ltd (“L&C”) caused delays in arranging their remortgage, so they didn’t have enough time to complete other required paperwork. They had to stay with their previous lender instead, and are now paying mor... (4 pages)View decision -
Decision Reference DRN-4502856
21 Dec 2023 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4502856 The complaint Mr H complains about the consequences arising from the delay caused by London & Colonial Services Limited (trading as L&C Pensions) in purchasing and investing two separate investment trusts into his self-invested personal pension (SIPP) in April 2020. Wha... (14 pages)View decision -
Decision Reference DRN-4498267
21 Dec 2023 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4498267 The complaint Mrs H complains about the consequences arising from the delay caused by London & Colonial Services Limited (trading as L&C Pensions) in purchasing and investing two separate investment trusts into her self-invested personal pension (SIPP) in April 2020. Wh... (14 pages)View decision -
Decision Reference DRN-4508672
20 Dec 2023 The Royal London Mutual Insurance Society Limited Not upheldPensions and AnnuitiesDRN-4508672 The complaint Mr B complains that The Royal London Mutual Insurance Society Limited (RL) caused avoidable delays to the transfer of his pension from another part of RL. He also says that he hasn’t received an acceptable explanation about why his transfer value fell so sharply. ... (8 pages)View decision -
Decision Reference DRN-4436927
15 Dec 2023 London Community Credit Union Limited UpheldBanking and PaymentsDRN-4436927 The complaint Mr D is unhappy that the London Community Credit Union Limited (LCCU) will not refund the money he lost as the result of a scam. Mr D has used a representative to bring his complaint to this service. For ease, I will refer solely to Mr D throughout this decision. ... (4 pages)View decision -
Decision Reference DRN-4296173
11 Dec 2023 The Royal London Mutual Insurance Society Limited UpheldPensions and AnnuitiesDRN-4296173 The complaint Mr P complains that he was advised to take out a Free Standing Additional Voluntary Contribution pension (FSAVC) in 1997 by a company now owned by The Royal London Mutual Insurance Society Limited (The Royal). He said it failed to tell him to consider his employer... (6 pages)View decision -
Decision Reference DRN-4234532
11 Dec 2023 Evergreen Finance London Limited Not upheldConsumer CreditDRN-4234532 The complaint Mr M complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk irresponsibly lent to him. What happened Mr M complains that MoneyBoat irresponsibly lent two loans to him. He says at the time of the loans he was indebted and MoneyBoat should have c... (3 pages)View decision -
Decision Reference DRN-4242378
8 Dec 2023 Evergreen Finance London Limited UpheldConsumer CreditDRN-4242378 The complaint Mr D complains Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) failed to conduct proportionate affordability checks prior to lending to him. What happened A summary of Mr D’s borrowing can be found below. loan number loan amount agreement... (4 pages)View decision