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 125400 results
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Decision Reference DRN-4591434
3 Oct 2024 Hyundai Capital UK Limited UpheldConsumer CreditDRN-4591434 The complaint Miss B complains that Hyundai Capital UK Limited trading as Kia Finance (“Kia”) supplied her with a car that wasn’t of satisfactory quality. What happened Miss B acquired a new car using a conditional sale agreement with Kia in October 2022. The agreement said... (5 pages)View decision -
Decision Reference DRN-5061058
3 Oct 2024 Ageas Insurance Limited UpheldInsuranceDRN-5061058 The complaint Mr G complained that repairs to his home following a leak were delayed by Ageas Insurance Limited (“Ageas”) under a home insurance policy. What happened Following a leak in the ensuite room of his house, Mr G made a claim to Ageas in October 2022. It investigat... (3 pages)View decision -
Decision Reference DRN-5054574
3 Oct 2024 HSBC UK Bank Plc UpheldConsumer CreditDRN-5054574 The complaint Mr J complains that HSBC UK Bank Plc lent irresponsibly when it approved a managed loan to consolidate existing debts. What happened Mr J had a loan, overdraft and credit card with HSBC. Mr J’s explained that he wasn’t able to maintain the loan repayments and ... (4 pages)View decision -
Decision Reference DRN-5044868
3 Oct 2024 National Savings and Investments UpheldBanking and PaymentsDRN-5044868 The complaint Mr R and Mrs W have complained about the decision of National Savings and Investments (‘NS&I’) to decline applications they made for guaranteed growth bonds (GGBs) in September 2023. What happened I have previously issued a provisional decision regarding t... (8 pages)View decision -
Decision Reference DRN-5060641
3 Oct 2024 Inclusive Finance Limited UpheldConsumer CreditDRN-5060641 The complaint Miss H complains that Inclusive Finance Limited trading as Creditspring was irresponsible in its lending to her. She wants all interest and charges paid refunded along with statutory interest and any negative information removed from her credit file. What happe... (4 pages)View decision -
Decision Reference DRN-5060164
3 Oct 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-5060164 The complaint Mr W is unhappy and complains that a car supplied to him under a hire purchase agreement with Creation Consumer Finance Limited (CCF) was of an unsatisfactory quality. When I refer to what Mr W has said and what CCF have said, it should also be taken to includ... (7 pages)View decision -
Decision Reference DRN-5010678
3 Oct 2024 U K Insurance Limited UpheldInsuranceDRN-5010678 The complaint Mr H is unhappy with what U K Insurance Limited did after he made a claim on his legal expenses insurance policy. What happened Mr H has a dispute with the letting agent of a property he owns. In October 2022 he sought assistance from his legal expenses policy.... (2 pages)View decision -
Decision Reference DRN-4903681
3 Oct 2024 Advisory Insurance Brokers Limited UpheldInsuranceDRN-4903681 The complaint A partnership, which I’ll refer to as R complains Advisory Insurance Brokers Limited (AIB) mis-sold it an insurance policy. Mr R who is a partner of R brings the complaint on its behalf. What happened R carried out work for a client in 2016. In March 2023 the c... (3 pages)View decision -
Decision Reference DRN-5050677
3 Oct 2024 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-5050677 The complaint Ms S complains about the quality of a car supplied to her on hire purchase by BMW Financial Services(GB) Limited trading as ALPHERA Financial Services (‘BMWFS’). What happened The parties are familiar with the background details of this complaint – so I will br... (4 pages)View decision -
Decision Reference DRN-5057414
3 Oct 2024 St. James's Place Wealth Management Plc UpheldInvestmentsDRN-5057414 The complaint Mr W complains he entered into an agreement with St. James’s Place Wealth Management Plc (SJP) in December 2016 whereby he started paying an annual fee and SJP agreed to provide reviews, but these didn’t always take place. What happened Mr W says he met with a... (6 pages)View decision
