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 123872 results
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Decision Reference DRN-5534676
7 Aug 2025 Lowell Portfolio I Ltd UpheldConsumer CreditDRN-5534676 The complaint Mrs B complains Lowell Portfolio I Ltd are asking her to repay debts which aren’t hers. She’s also unhappy with the frequency of the contact from Lowell. What happened In December 2023 Mrs B says she first received a letter addressed to a person with the same s... (3 pages)View decision -
Decision Reference DRN-5634627
6 Aug 2025 Mi Vehicle Finance Limited UpheldConsumer CreditDRN-5634627 The complaint Mr F complains MI Vehicle Finance Limited (MI) haven’t treated him fairly because it didn’t show him forbearance and due consideration when he experienced financial difficulties. What happened Mr F entered into a hire purchase agreement with MI in January 2023... (4 pages)View decision -
Decision Reference DRN-5678354
6 Aug 2025 Fortegra Europe Insurance Company Ltd UpheldInsuranceDRN-5678354 The complaint Mrs W complains about how Fortegra Europe Insurance Company Ltd (“Fortegra”) dealt with her furniture protection insurance claim. Mrs W is being represented by Mr W but for ease I’ll refer to Mrs W throughout. What happened Mrs W took out a protection policy ... (4 pages)View decision -
Decision Reference DRN-5739677
6 Aug 2025 Wakam UpheldInsuranceDRN-5739677 The complaint Mr G has complained that Wakam’s approved repairer failed to repair his vehicle properly following a claim under his private hire insurance policy and that this led to him losing income. What happened Mr G’s vehicle, which he uses as a taxi, was damaged in an ... (4 pages)View decision -
Decision Reference DRN-5426992
6 Aug 2025 Wakam UpheldInsuranceDRN-5426992 The complaint Mr D has complained about the service his commercial vehicle insurer, Wakam, provided after he reported a non-fault accident to it. He also felt he was being discriminated against because of his accent. What happened Mr D was involved in an accident in June 20... (6 pages)View decision -
Decision Reference DRN-5501181
6 Aug 2025 Arnold Clark Automobiles Limited UpheldConsumer CreditDRN-5501181 The complaint Mr A complained that hard credit searches were carried out after he contacted Arnold Clark Automobiles Limited (“ACAL”) to enquire about arranging finance on a car. What happened The circumstances of the complaint are well known to both parties. So, I won’t re... (3 pages)View decision -
Decision Reference DRN-5425173
6 Aug 2025 Tandem Motor Finance Limited UpheldConsumer CreditDRN-5425173 The complaint Miss A complains about a car supplied under a hire purchase agreement, provided by Tandem Motor Finance Limited (‘TMF’). What happened Around July 2024 Miss A acquired a used car under a hire purchase agreement with TMF. The car is listed with a cash price of ... (4 pages)View decision -
Decision Reference DRN-5253249
6 Aug 2025 Freetrade Limited UpheldInvestmentsDRN-5253249 The complaint Mrs B complains Freetrade Limited failed to stop an unauthorised third party accessing her account. She holds the firm responsible for her resulting losses. What happened Mrs B holds a share dealing account with Freetrade. Her personal email address forms part... (8 pages)View decision -
Decision Reference DRN-5619915
6 Aug 2025 Scottish Equitable Plc UpheldPensions and AnnuitiesDRN-5619915 The complaint Ms E complains that Scottish Equitable Plc trading as Aegon (“Aegon”) has failed to treat her fairly in relation to her pension savings. In particular she complains that Aegon failed to make her aware she might be able to take her pension benefits early due to ... (5 pages)View decision -
Decision Reference DRN-5693879
6 Aug 2025 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5693879 The complaint Mr M complains that Barclays Bank UK PLC, trading as Barclaycard, advertised a credit card as offering cashback but when he used the card he didn’t receive the cashback that he was expecting. What happened I issued a provisional decision on this complaint in Ju... (4 pages)View decision
