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 121262 results
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Decision Reference DRN-4476582
15 Jan 2024 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-4476582 Complaint Mr K says Shop Direct Company Finance Limited (trading as “Very”) irresponsibly provided her with a catalogue shopping account which it then unfairly increased the credit limit on a number of times. In effect, he says that he shouldn’t have been provided with his acco... (4 pages)View decision -
Decision Reference DRN-4399481
15 Jan 2024 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-4399481 Complaint Miss H says Shop Direct Company Finance Limited (trading as “Very”) irresponsibly provided her with a catalogue shopping account which it then unfairly increased the credit limit on a number of times. She says her credit limit shouldn’t have been increased so many tim... (5 pages)View decision -
Decision Reference DRN-4524796
15 Jan 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4524796 Complaint Miss H has complained that HSBC UK Bank Plc (“HSBC”) irresponsibly provided her with an overdraft which it unfairly continued allowing her to use even when it should have realised that she was struggling with the interest on it. Background Miss H has also complained a... (3 pages)View decision -
Decision Reference DRN-4557418
14 Jan 2024 Quilter Mortgage Planning Limited UpheldInsuranceDRN-4557418 The complaint Mrs P complains she gave Quilter Mortgage Planning Limited (“Quilter”) accurate and honest answers to the health questionnaire when it sold her life cover, but around two and a half years later her cover was reduced by the policy provider due to her health conditi... (3 pages)View decision -
Decision Reference DRN-4528097
14 Jan 2024 Tier One Capital Wealth Management Limited UpheldPensions and AnnuitiesDRN-4528097 The complaint Mr B says Tier One Capital Wealth Management Limited (‘Tier One’), previously Carrick Financial Management, gave him unsuitable advice in 2021 to switch funds in his pension. He also says it’s advice was motivated by its attempt to offset an increase in its ongoin... (10 pages)View decision -
Decision Reference DRN-4557624
14 Jan 2024 RCI Financial Services Limited UpheldConsumer CreditDRN-4557624 The complaint Mr M complains RCI Financial Services Limited trading as Mobilize Financial Services (RCI) supplied him with a car that he believes wasn’t of satisfactory quality. He also complains the car was misrepresented to him and the dealership caused damage to the car duri... (4 pages)View decision -
Decision Reference DRN-4502981
14 Jan 2024 N.I.I.B. Group Limited UpheldConsumer CreditDRN-4502981 The complaint Mr S complains N.I.I.B. Group Limited trading as Northridge Finance (Northridge) supplied him with a car that he believes wasn’t of satisfactory quality. Mr S is represented by his daughter but as he’s the agreement holder, I will refer ... (3 pages)View decision -
Decision Reference DRN-3768226
13 Jan 2024 Tuto Money Limited UpheldPensions and AnnuitiesDRN-3768226 The complaint Mr M complained that he was given unsuitable advice to transfer his defined benefit (DB) British Steel Pension Scheme (BSPS), to a type of personal pension plan, in 2017. Tuto Money Limited is responsible for answering this complaint and so to keep things consiste... (6 pages)View decision -
Decision Reference DRN-4443927
13 Jan 2024 Revolut Ltd UpheldBanking and PaymentsDRN-4443927 The complaint Miss D complains Revolut Ltd (“Revolut”) won’t refund several transactions she disputes to having made from her account. What happened In February 2023, four transactions amounting to £4,020 were sent from Miss D’s account to the same beneficiary. Miss D says she ... (4 pages)View decision -
Decision Reference DRN-4556674
13 Jan 2024 TIDE PLATFORM LTD UpheldBanking and PaymentsDRN-4556674 The complaint A complains Tide Platform Ltd (“Tide”) restricted and closed their account with immediate effect following a review. A adds that their funds were later only partially refunded – and they want Tide to return this to them. A say that Tide’s actions have caused them ... (3 pages)View decision
