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 128535 results
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Decision Reference DRN-5003705
6 Sep 2024 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-5003705 The complaint Mr M and his son Mr M complain that Admiral Insurance (Gibraltar) Limited is responsible for damage in connection with a claim on a motor insurance policy. Where I refer to Mr M, I refer to Mr M the son. I will refer separately to Mr M’s father. What happened... (5 pages)View decision -
Decision Reference DRN-4996892
6 Sep 2024 esure Insurance Limited UpheldInsuranceDRN-4996892 The complaint Mrs C complains about how her insurer esure Insurance Limited valued her car after it was involved in an accident and declared a total loss and that she had to pay her policy excess, when the accident had been deemed non-fault and she was told no excess would b... (4 pages)View decision -
Decision Reference DRN-4820299
6 Sep 2024 Lloyds Bank PLC UpheldConsumer CreditDRN-4820299 The complaint Mr W has complained that Lloyds Bank PLC (“Lloyds”) gave him a loan he couldn’t afford to repay. He’s also unhappy at the impact the first loan had on the balance on a second loan. Mr W has also said he is unhappy with the time it took to investigate the compla... (6 pages)View decision -
Decision Reference DRN-4875322
6 Sep 2024 Hub Financial Solutions Limited UpheldPensions and AnnuitiesDRN-4875322 The complaint Mr S says HUB Financial Solutions (HUB) is responsible for poor service, which contributed to the delay he experienced in receiving his pension benefits. Mr S brought a separate but linked complaint against The Prudential Assurance Company Limited (Prudential)... (3 pages)View decision -
Decision Reference DRN-4907068
6 Sep 2024 Black Horse Limited UpheldConsumer CreditDRN-4907068 The complaint Mr G complains about the quality of a car supplied to him by Black Horse Limited (“BH”). What happened Mr G acquired a car under a 60 month hire purchase agreement with BH in November 2023. The car cost around £15,000. A deposit payment of £2,302 was paid. Mr G... (5 pages)View decision -
Decision Reference DRN-4999164
6 Sep 2024 Plus500UK Ltd UpheldInvestmentsDRN-4999164 The complaint Mr Z complained about Plus500UK Ltd. He said it shouldn’t have allowed him to open a contracts for difference (CFD) trading account as it was not appropriate for him. He said Plus500UK should also have intervened and stopped him from trading sooner, when he was... (15 pages)View decision -
Decision Reference DRN-5004193
6 Sep 2024 Accord Mortgages Limited UpheldMortgagesDRN-5004193 The complaint Mr and Mrs M complain that Accord Mortgages Limited didn’t explain how their new Buy To Let (“BTL”) mortgage worked, and in particular, that they would be paying interest in advance on this mortgage. What happened Whilst this complaint is brought by both Mr and... (5 pages)View decision -
Decision Reference DRN-4955448
6 Sep 2024 American Express Services Europe Limited (AESEL) UpheldBanking and PaymentsDRN-4955448 The complaint Mr D complains that American Express Services Europe Limited (AESEL) closed his credit card account and referred it to a collection agency. What happened I issued a provisional decision setting out what had happened and what I thought about the complaint. I’ve ... (7 pages)View decision -
Decision Reference DRN-4970094
6 Sep 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-4970094 The complaint Mr W complains that Loans 2 Go Limited (L2G) acted irresponsibly when they agreed to lend to him on several occasions. In bringing his complaint Mr W is represented by a third party. For ease of reading I will only refer to Mr W in my decision. What happened Mr... (5 pages)View decision -
Decision Reference DRN-5007380
6 Sep 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-5007380 The complaint Mr P has complained about Creation Consumer Finance Ltd (“Creation”)’s response to a claim he made under Section 75 (“s.75”) of the Consumer Credit Act 1974 (the “CCA”) relating to a solar panel system which he says was mis-sold to him. What happened In Februa... (6 pages)View decision