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-4508939
13 Jan 2024 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4508939 The complaint Mr B complains that Specialist Motor Finance Limited (SMF) acted irresponsibly when agreeing to a loan he couldn’t afford. What happened In March 2022 Mr B acquired a car when he entered into a Hire Purchase agreement with SMF. The cash price of the car was £15,49... (4 pages)View decision -
Decision Reference DRN-4221122
13 Jan 2024 Amtrust Europe Limited UpheldInsuranceDRN-4221122 The complaint Mr K is complaining about the length of time it took Amtrust Europe Limited to decline a claim he made on his buildings insurance policy for damage arising from a burst pipe. What happened In December 2022 Mr K contacted Amtrust to report that the insured property... (2 pages)View decision -
Decision Reference DRN-4543965
12 Jan 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4543965 The complaint Mr H complains that Barclays Bank UK PLC trading as Barclaycard granted him credit he couldn’t afford to repay. What happened Barclays opened a credit card account for Mr H in August 2017. This type of credit was an open-ended or running account facility and the c... (4 pages)View decision -
Decision Reference DRN-4249979
12 Jan 2024 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4249979 The complaint Miss A complains about Bank of Scotland plc. She says that Bank of Scotland didn’t do enough to protect her when she became the victim of a scam and would like Bank of Scotland to refund her the money she has lost as a result. What happened Miss A was looking to p... (2 pages)View decision -
Decision Reference DRN-4524806
12 Jan 2024 St. James's Place Wealth Management Plc UpheldPensions and AnnuitiesDRN-4524806 The complaint Mr B is unhappy that St James’s Place Wealth Management Plc (SJP) refused to provide advice relating to the transfer of his Defined Benefit pension scheme (DB scheme) and took too long to notify him of this. What happened Mr B had a defined benefit pension from a ... (8 pages)View decision -
Decision Reference DRN-4520053
12 Jan 2024 Close Brothers Limited UpheldConsumer CreditDRN-4520053 The complaint Miss S complains about the quality of a used car that was supplied through a conditional sale agreement with Close Brothers Limited (CBL). Miss S is also not happy that her car was repossessed, and her credit file was impacted. What happened In February 2022, Miss... (7 pages)View decision -
Decision Reference DRN-4260814
12 Jan 2024 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-4260814 The complaint Mr C complains that the car he acquired financed through a hire purchase agreement with BMW Financial Services (GB) Limited, trading as Alphera Financial Services, wasn't of satisfactory quality. What happened The details of this complaint are well known to b... (4 pages)View decision -
Decision Reference DRN-4521197
12 Jan 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4521197 The complaint Mr P is unhappy that HSBC UK Bank Plc trading as first direct (First Direct) won’t refund the money he lost after falling victim to a vehicle purchase scam. Mr P has used a professional representative to bring this complaint to our service and they have made submi... (6 pages)View decision -
Decision Reference DRN-4455205
12 Jan 2024 Accredited Insurance (Europe) Ltd UpheldInsuranceDRN-4455205 The complaint Ms H is unhappy about the way Accredited Insurance (Europe) Limited (AIL) handled her accommodation request following a fire at her home. What happened Ms H had buildings and contents insurance underwritten by AIL. In summary, Ms H claimed under her policy after a... (3 pages)View decision -
Decision Reference DRN-4550083
12 Jan 2024 Lighthouse Advisory Services Limited UpheldPensions and AnnuitiesDRN-4550083 The complaint Ms M complains that an appointed representative of Lighthouse Advisory Services Limited (“Lighthouse”) provided her with inappropriate advice in 2008 about the transfer and consolidation of some pension savings. What happened Ms M was initially assisted in making ... (6 pages)View decision
