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 128312 results
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Decision Reference DRN-4851333
8 Aug 2024 Frasers Group Financial Services Limited UpheldConsumer CreditDRN-4851333 The complaint Miss B complains that Frasers Group Financial Services Limited, trading as Studio, failed to apply promotional codes to her orders. What happened Miss B says that items she bought, and that show on statements 61 and 62, should have an “interest saver” promotion... (2 pages)View decision -
Decision Reference DRN-4936747
8 Aug 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4936747 The complaint Mr S complains through a representative that Moneybarn No.1 Limited trading as Moneybarn (“Moneybarn”) entered into a conditional sale agreement without carrying out an affordability assessment. Mr S also says that an undisclosed amount of commission was paid,... (5 pages)View decision -
Decision Reference DRN-4954579
8 Aug 2024 Amtrust Europe Limited UpheldInsuranceDRN-4954579 The complaint Mr and Mrs M complain that the terms and conditions of their Amtrust Europe Limited (Amtrust) landlord buildings insurance policy are ambiguous. What happened Mr and Mrs M own a property which is let out to tenants. They also have a landlords building insuranc... (5 pages)View decision -
Decision Reference DRN-4954555
8 Aug 2024 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4954555 The complaint Mr T is complaining about Clydesdale Bank Plc trading as Virgin Money because he says it lent irresponsibly when providing him with a credit card. He says it knew he had issues with gambling and shouldn’t have agreed to lend him more money. What happened On 25 ... (5 pages)View decision -
Decision Reference DRN-4805311
7 Aug 2024 Scottish Widows Schroder Personal Wealth (ACD) Limited UpheldInvestmentsDRN-4805311 The complaint Mr T complains that Scottish Widows Schroder Personal Wealth (ACD) Limited (‘Schroders’) has failed to keep him informed about the performance of his investments. What happened Mr T held an investment ISA and an Open Ended Investment Company (‘OEIC’) which inve... (4 pages)View decision -
Decision Reference DRN-4933479
7 Aug 2024 Fairscore Ltd UpheldConsumer CreditDRN-4933479 The complaint Miss G complains that Fairscore Ltd lent to her irresponsibly. What happened Miss G took out three loans with Fairscore Ltd as follows: In May 2021 Miss G took out a loan for £7,000 repayable over 36 months at £269.46 per month. In October 2022 Miss G took out ... (3 pages)View decision -
Decision Reference DRN-4928967
7 Aug 2024 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4928967 The complaint Mrs S is unhappy that Bank of Scotland plc, trading as Halifax, incorrectly marked her as being deceased following the sad passing of her husband. Mrs S’s complaint is brought to this service by her authorised representative. However, for ease of reference, I w... (3 pages)View decision -
Decision Reference DRN-4954314
7 Aug 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4954314 The complaint Mr U complains that Monzo Bank Ltd (‘Monzo’’) blocked and then closed his bank account without notice. He says he wants funds that it returned to source to be returned to him. What happened Monzo blocked Mr U’s account in September 2023 and asked him to provide... (4 pages)View decision -
Decision Reference DRN-4941761
7 Aug 2024 U K Insurance Limited UpheldInsuranceDRN-4941761 The complaint Mrs K complains about how U K Insurance Limited (UKI) dealt with a claim against her motor insurance policy. Reference to UKI includes its agents. What happened In summary, Mrs K had a motor insurance policy underwritten by UKI. The policy relevant to this com... (6 pages)View decision -
Decision Reference DRN-4954055
7 Aug 2024 Unum Ltd UpheldInsuranceDRN-4954055 The complaint Mrs T has complained that Unum Ltd declined a claim under her critical illness policy. What happened Mrs T has a critical illness policy through her employer; she joined the scheme on 1 October 2020. She made a claim in March 2022 as her husband, Mr T, had suff... (3 pages)View decision