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 365360 results
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Decision Reference DRN-5241426
10 Feb 2025 Fairscore Ltd Not upheldConsumer CreditDRN-5241426 Complaint Mr B has complained about a personal loan Fairscore Ltd (trading as “Updraft”) which he says was unfairly lent to him. He says he was lent to at a time when he already had significant debts. Background Updraft provided Mr B with a loan for £9,000.00 in July 2023. ... (3 pages)View decision -
Decision Reference DRN-5308684
10 Feb 2025 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-5308684 Complaint Mr S complains that BMW Financial Services (GB) Limited (trading as “Alphera” Financial Services) unfairly entered into a hire purchase agreement with him. He’s said that the interest made the monthly payments on this agreement unaffordable. Background In February... (4 pages)View decision -
Decision Reference DRN-5280973
10 Feb 2025 Black Horse Limited Not upheldConsumer CreditDRN-5280973 Complaint Mr G complains that Black Horse Limited (trading as “Black Horse”) unfairly entered into a hire-purchase agreement with him. He’s said that the finance was unaffordable and this resulted in him having to take out further borrowing in order to make his payments. Ba... (5 pages)View decision -
Decision Reference DRN-4975513
10 Feb 2025 Healthcare Finance Limited Not upheldConsumer CreditDRN-4975513 The complaint Miss M complains that Healthcare Finance Limited (“HFL”) failed to pay out on a claim she made to it about the failure of a supplier to deliver the dental treatment which she paid for with credit it provided. What happened In October 2023 Miss M entered into a ... (4 pages)View decision -
Decision Reference DRN-4983527
9 Feb 2025 Hargreaves Lansdown Asset Management Limited Not upheldInvestmentsDRN-4983527 The complaint Mr H’s complaint, in essence, is that fees Hargreaves Lansdown Asset Management Limited has charged on the managed half of his portfolio aren’t justified by the performance achieved by that management. He says this bearing in mind the managed half of his portfo... (3 pages)View decision -
Decision Reference DRN-5193449
9 Feb 2025 Integra Insurance Solutions Limited UpheldInsuranceDRN-5193449 The complaint Mr H complains about the way Integra Insurance Solutions Limited (“Integra”) handled a claim he made under his home insurance policy, following a fire. Any reference to Integra in this decision includes its appointed agents and representatives. What happened In... (4 pages)View decision -
Decision Reference DRN-4753613
7 Feb 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-4753613 The complaint and background Miss M complains Santander UK Plc won’t reimburse £12,970 that she lost when she fell victim to an employment scam. Our investigator didn’t uphold the complaint. Although she found Santander ought to have enquired better the payments, she wasn’t... (2 pages)View decision -
Decision Reference DRN-5283936
7 Feb 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5283936 The complaint Miss D is complaining on behalf of her late father’s estate that Clydesdale Bank Plc trading as Virgin Money hasn’t paid funds claimed. What happened Mr D had an account with Clydesdale Bank in 1997. Sadly, he passed away in 2012. In 2024 Miss D contacted Virgi... (2 pages)View decision -
Decision Reference DRN-5277791
7 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5277791 The complaint Mr B complains that NewDay Ltd trading as Fluid was irresponsible in its lending to him. He wants all interest and charges refunded along with statutory interest. Mr B is represented by a third party but for ease of reference I have referred to Mr B throughout ... (3 pages)View decision -
Decision Reference DRN-4610667
7 Feb 2025 Phoenix Life Limited Not upheldPensions and AnnuitiesDRN-4610667 The complaint Mrs O has complained about the actions of Standard Life when it transferred her group personal pension to a Qualifying Recognised Overseas Pension Scheme (“QROPS”) in 2014. The QROPS subsequently invested in an asset that is unlikely to realise any value meanin... (7 pages)View decision
