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-5237492
3 Feb 2025 OneFamily Lifetime Mortgages Limited Not upheldMortgagesDRN-5237492 The complaint Mrs S complains that OneFamily Lifetime Mortgages Limited, trading as OneFamily Lifetime Mortgages (“OF”) changed its lending criteria without notifying her. What happened In July 2017 Mrs S took out a lifetime mortgage with OF with the help of an intermediary.... (5 pages)View decision -
Decision Reference DRN-5297007
3 Feb 2025 Barclays Bank UK PLC UpheldMortgagesDRN-5297007 The complaint Mr and Mrs R complain that Barclays Bank UK PLC has overcharged them interest on their buy to let mortgage because it failed to implement a new application and interest rate. They also complain about how Barclays has communicated with them, and that it has sent... (8 pages)View decision -
Decision Reference DRN-5304105
3 Feb 2025 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-5304105 Complaint Mrs J complains that Moneybarn No.1 Ltd (trading as “Moneybarn”) unfairly entered into a conditional sale agreement with her. She’s said the monthly payments were unaffordable and so she shouldn’t have been lent to. Background In June 2015, Moneybarn provided Mrs ... (6 pages)View decision -
Decision Reference DRN-5259837
3 Feb 2025 Atlanta Insurance Intermediaries Limited Not upheldInsuranceDRN-5259837 The complaint Miss H complains that Atlanta Insurance Intermediaries Limited unfairly auto-renewed her car insurance policy. What happened In October 2023, Miss H’s current insurer at that time, which I will refer to as ‘M’, was unable to provide cover at renewal. So her det... (3 pages)View decision -
Decision Reference DRN-4987039
3 Feb 2025 PayPal UK Ltd UpheldBanking and PaymentsDRN-4987039 The complaint A company, which I’ll refer to as D, complains that PayPal UK Ltd has refused to provide it with the ability to make withdrawals from its account in Euros. Ms L, a director of D, brings the complaint on D's behalf. An employee of D has represented D in i... (2 pages)View decision -
Decision Reference DRN-5247277
3 Feb 2025 Phoenix Life Limited Not upheldInsuranceDRN-5247277 The complaint Mr N complains about the sale of a life policy he holds with Phoenix Life Limited. What happened After speaking with an Independent Financial Adviser (IFA) in 1987 Mr N took out a whole of life policy with a predecessor business of Phoenix Life. In late 2023 Mr... (2 pages)View decision -
Decision Reference DRN-5293238
3 Feb 2025 Co-op Funeral Plans Limited Not upheldFuneral Planning ServicesDRN-5293238 The complaint Mr W is unhappy that Co-op Funeral Plans Limited won’t refund his funeral plan payments after he learned that Co-op doesn’t provide paupers’ funerals. What happened Mr W took out a funeral plan with Co-op in or around 2009. The plan was to be paid for in fixed... (3 pages)View decision -
Decision Reference DRN-5270346
3 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5270346 The complaint Mr B, through a representative, says NewDay Ltd, trading as Marbles Card, irresponsibly lent to him. What happened Mr B opened a credit card with NewDay in January 2018. He was given a £300 credit limit. This was increased to £1,200 in June 2018, to £2,600 in O... (3 pages)View decision -
Decision Reference DRN-5243143
3 Feb 2025 Santander UK Plc Not upheldMortgagesDRN-5243143 The complaint Mr H’s complaint about Santander UK Plc (Santander) relates to the way in which Santander dealt with his application to remove his ex-wife (W) from their jointly held mortgage, otherwise known as a Change of Borrower (CoB) application. What happened In 2005 Mr... (4 pages)View decision -
Decision Reference DRN-5273682
3 Feb 2025 Advantage Insurance Company Limited UpheldInsuranceDRN-5273682 The complaint Ms B and Mr B have complained about Advantage Insurance Company Limited’s handling of a liability dispute during a claim made under their motor insurance policy. What happened Mr B is the policyholder of a motor insurance policy, underwritten by Advantage, und... (2 pages)View decision
