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 381196 results
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Decision Reference DRN-5611612
26 Jun 2025 St. James's Place Wealth Management Plc UpheldInvestmentsDRN-5611612 The complaint Mrs F’s complaint relates to advice/review fees for a service not provided by St. James's Place Wealth Management Plc (“SJP”) and a request for reimbursement of those fees, together with interest and compensation. Mrs F is represented in bringing her compl... (5 pages)View decision -
Decision Reference DRN-5641811
26 Jun 2025 AA Underwriting Insurance Company Limited UpheldInsuranceDRN-5641811 The complaint Mrs W complains AA Underwriting Insurance Company Limited (“AA”) has: - Caused an escape of water in her property due to substandard repairs to her bathroom during a previous claim on her property insurance policy. - Failed to appropriately settle her current ... (7 pages)View decision -
Decision Reference DRN-5605458
26 Jun 2025 Billing Finance Limited Not upheldConsumer CreditDRN-5605458 Complaint Mr J complains that Billing Finance Limited (“Billing Finance”) unfairly entered into a hire- purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Background In January 2019, Billing Finance provided Mr J with finan... (3 pages)View decision -
Decision Reference DRN-5331461
26 Jun 2025 St. James's Place Wealth Management Plc Not upheldInvestmentsDRN-5331461 The complaint Mrs E, represented by a claims management company (CMC), complains about the suitability of investment advice provided by St. James's Place Wealth Management Plc (“SJP”) and further, that she didn’t receive the annual ongoing advice reviews she paid for. W... (3 pages)View decision -
Decision Reference DRN-5606833
26 Jun 2025 Vanguard Asset Management, Ltd UpheldInvestmentsDRN-5606833 The complaint Mr J complains about Vanguard Asset Management, Ltd (Vanguard). He said Vanguard delayed the transfer of his investments held within a stocks and shares ISA. He said Vanguard caused him financial detriment and he would like it to compensate him for this. What ... (7 pages)View decision -
Decision Reference DRN-5359073
26 Jun 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5359073 The complaint A company, which I’ll refer to as S, complains that National Westminster Bank Public Limited Company wrongly approved an application for a Coronavirus Business Interruption Loan (CBIL). What happened S holds a business bank account with NatWest. In April 2020,... (2 pages)View decision -
Decision Reference DRN-5602938
26 Jun 2025 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-5602938 The complaint Mr L complains that a car supplied to him under a conditional sale agreement with Moneybarn no.1 Limited (MB) is of unsatisfactory quality. Mr L has been represented in his complaint; to keep things simple, I’ll refer to any information or correspondence as bei... (6 pages)View decision -
Decision Reference DRN-5616391
26 Jun 2025 Barclays Bank UK PLC Not upheldConsumer CreditDRN-5616391 The complaint Miss P complains that Barclays Bank UK PLC was irresponsible in its lending to her. She wants all interest removed from her loan and any interest and charges she has paid refunded. She also wants any adverse information about this loan removed from her credit f... (3 pages)View decision -
Decision Reference DRN-5531805
26 Jun 2025 Shawbrook Bank Limited UpheldConsumer CreditDRN-5531805 The complaint Mr H complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding a... (30 pages)View decision -
Decision Reference DRN-5489146
26 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5489146 The complaint Mr B complains that Vanquis Bank Limited lent to him irresponsibly. Mr B is also unhappy that Vanquis recorded the debt as “partially settled” after it was written off. What happened In June 2023, Mr B was provided with a credit card by Vanquis with a limit of... (3 pages)View decision
