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
-
Decision Reference DRN-4942388
2 Aug 2024 Target Servicing Limited UpheldMortgagesDRN-4942388 The complaint Mr W complains that Target Servicing Limited caused unnecessary delays when he wanted to redeem his help to buy (“HTB”) loan. The HTB scheme The HTB scheme was a government scheme in place to support home ownership. In addition to the usual mortgage from a regu... (6 pages)View decision -
Decision Reference DRN-4915553
2 Aug 2024 Legal and General Assurance Society Limited UpheldPensions and AnnuitiesDRN-4915553 The complaint Mrs S complains that Legal and General Assurance Society Limited (“L&G”) failed to update a tax code supplied by HMRC on her records. As a result she says income tax was deducted from her annuity payment that she was unable to reclaim for several months. Wh... (4 pages)View decision -
Decision Reference DRN-4059626
2 Aug 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4059626 The complaint Mrs C has complained about the way Creation Consumer Finance Ltd (“Creation”) responded to claims she’d made in relation to misrepresentation, breach of contract, and an alleged unfair relationship taking into account section 140A (“s1.40A”) of the Consumer Cre... (6 pages)View decision -
Decision Reference DRN-4942416
2 Aug 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4942416 The complaint Mr F has complained about Creation Consumer Finance Ltd’s response to a claim he made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’) and in relation to allegations of an unfair relationship taking into account Section 140A (‘s.140A’) of t... (9 pages)View decision -
Decision Reference DRN-4924929
2 Aug 2024 London Community Credit Union Limited UpheldConsumer CreditDRN-4924929 The complaint Mr H complains that London Community Credit Union Limited (“LCC”) reported adverse information on his credit file in error. The issue appeared to have been resolved in early 2023 when the default stopped appearing on Mr H’s credit file, however, the issue reocc... (2 pages)View decision -
Decision Reference DRN-4940698
2 Aug 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4940698 The complaint Mrs S complains about the outcome of a claim she made to Creation Consumer Finance Ltd (“Creation”) under section 75 of the Consumer Credit Act 1974 (“s75”), about a bathroom installation. What happened In November 2022, Mrs S entered into a fixed sum loan agr... (4 pages)View decision -
Decision Reference DRN-4924960
2 Aug 2024 FirstRand Bank Limited UpheldConsumer CreditDRN-4924960 The complaint Mr G complains about charges levied by FirstRand Bank Limited trading as Motonovo Finance (“Motonovo”) when he reached the end of a hire purchase agreement. What happened I issued a provisional decision on this complaint in June 2024. In that decision I explain... (4 pages)View decision -
Decision Reference DRN-4895383
2 Aug 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4895383 The complaint Mr H has complained that Vanquis Bank Limited (“Vanquis”), irresponsibly granted him a credit card account, which he couldn’t afford to repay. What happened Mr H took out a credit card with Vanquis in January 2013, with an initial credit limit of £500. There ... (3 pages)View decision -
Decision Reference DRN-4945678
2 Aug 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4945678 The complaint Mr A is a director of a charitable organisation which I’ll call ‘G’. He complains that HSBC UK Bank Plc behaved unreasonably when it restricted access to G’s account causing the organisation a financial loss. What happened G held an account with HSBC. In Decem... (6 pages)View decision -
Decision Reference DRN-4921299
2 Aug 2024 Avantia Insurance Limited UpheldInsuranceDRN-4921299 The complaint Mr and Mrs A are unhappy with the way Avantia Insurance Limited sold and renewed their home insurance policy. What happened Mr and Mrs A took out a home insurance policy through Avantia in February 2021 and renewed it in February 2022. In October 2022, Mr and M... (3 pages)View decision