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 120936 results
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Decision Reference DRN-3989522
4 Jun 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3989522 The complaint Mrs S has complained about the way Creation Consumer Finance Ltd (“Creation”) responded to claims she’d made in relation to misrepresentation, breach of contract, and an alleged unfair relationship taking into account section 140A (“s140A”) of the Consumer Credit ... (5 pages)View decision -
Decision Reference DRN-4732486
4 Jun 2024 NHS (Scotland and North England) Credit Union Limited UpheldConsumer CreditDRN-4732486 The complaint Mrs M complains that NHS (Scotland and North England) Credit Union Limited trading as NHS Credit Union (“NHSCU”) irresponsibly agreed loans for her. What happened NHSCU agreed two loans for Mrs M. The first was taken out in May 2021, the second in November 2021. T... (11 pages)View decision -
Decision Reference DRN-4827335
4 Jun 2024 The Royal London Mutual Insurance Society Limited UpheldPensions and AnnuitiesDRN-4827335 The complaint This complaint is about a transfer of a personal pension policy Mr M held with The Royal London Mutual Insurance Society Limited (“Royal London”). In June 2014, he transferred this to a small self-administered scheme (“SSAS”). Mr M’s SSAS was subsequently used to ... (13 pages)View decision -
Decision Reference DRN-4833327
4 Jun 2024 Vanguard Asset Management, Ltd UpheldInvestmentsDRN-4833327 The complaint Mr L has complained that Vanguard Asset Management, Ltd (Vanguard) requested a full transfer of his cash Individual Savings Account (ISA) instead of the partial transfer he says he’d instructed. Mr L claims that he’s suffered a financial loss as a result. What hap... (9 pages)View decision -
Decision Reference DRN-4833603
4 Jun 2024 Scottish Widows Limited UpheldPensions and AnnuitiesDRN-4833603 The complaint This complaint is about a transfer of a personal pension policy Mr M held with Scottish Widows Limited (“SWL”). In June 2014, he transferred this to a small self-administered scheme (“SSAS”). Mr M’s SSAS was subsequently used to invest in a financial instrument kn... (13 pages)View decision -
Decision Reference DRN-4833073
4 Jun 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4833073 The complaint Mr C complains Options UK Personal Pensions LLP (‘Options’ - formerly Carey Pensions UK LLP) failed to fulfil its obligations in relation to its acceptance of his application for a Self- Invested Personal Pension (‘SIPP’) and subsequent investment in an overseas p... (27 pages)View decision -
Decision Reference DRN-4455492
4 Jun 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4455492 The complaint Mrs P complains about how Santander UK Plc handled a dispute she raised with it. What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my informal remit. Mrs P paid a supplier a de... (5 pages)View decision -
Decision Reference DRN-4833406
4 Jun 2024 Wise Payments Limited UpheldBanking and PaymentsDRN-4833406 The complaint Ms T complains that Wise Payments Limited didn’t do enough to protect her from the financial harm caused by an investment scam, or to help her recover the money once she’d reported the scam to it. What happened The detailed background to this complaint is well kno... (4 pages)View decision -
Decision Reference DRN-4453382
4 Jun 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4453382 The complaint Mr W complains that Lloyds Bank PLC didn’t do enough to protect him from the financial harm caused by an investment scam, or to help him recover the money once he’d reported the scam to it. What happened The detailed background to this complaint is well known to b... (6 pages)View decision -
Decision Reference DRN-4833109
4 Jun 2024 Julian Harris Financial Consultants UpheldInvestmentsDRN-4833109 The complaint Mrs S complains that Julian Harris Financial Consultants (“Julian Harris”) has unfairly charged her for its initial and ongoing advice despite her not going ahead with it. What happened Mrs S received pension advice from Julian Harris in 2019. Mrs S had an annual ... (6 pages)View decision
