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-4940767
31 Jul 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4940767 The complaint Mr G has complained about the way Creation Consumer Finance Ltd (“Creation”) responded to claims he’d made in relation to misrepresentation, breach of contract, and an alleged unfair relationship taking into account section 140A (“s.140A”) of the Consumer Credi... (5 pages)View decision -
Decision Reference DRN-4893246
31 Jul 2024 Black Horse Limited UpheldConsumer CreditDRN-4893246 The complaint Mr G is unhappy that a car supplied to him under a personal contract purchase (‘PCP’) agreement with Black Horse Limited was of an unsatisfactory quality. What happened In September 2022, Mr G was supplied with a used car through a PCP agreement with Black Hor... (4 pages)View decision -
Decision Reference DRN-4696139
31 Jul 2024 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4696139 The complaint Mrs B complains Specialist Motor Finance Limited (SMFL) irresponsibly entered into a hire purchase agreement because it failed to carry out reasonable and proportionate checks to ensure the agreement was affordable. What happened Mrs B entered into the hire pur... (4 pages)View decision -
Decision Reference DRN-4886676
31 Jul 2024 Pettecrew Financial Planning Ltd UpheldPensions and AnnuitiesDRN-4886676 The complaint Mr C has complained about the advice provided by Pettecrew Financial Planning Ltd (‘PFP’) to transfer his occupational defined benefit (‘DB’) pension to a self-invested personal pension (‘SIPP’) held with Skandia. Mr C has stated that this advice was unsuitable... (8 pages)View decision -
Decision Reference DRN-4941333
31 Jul 2024 First Central Underwriting Limited UpheldInsuranceDRN-4941333 The complaint Mr M complained that First Central Underwriting Limited declined his claim under his motor insurance policy and declared it void from the start. What happened Mr M’s car was damaged in an accident, and he claimed under his policy. First Central’s engineer inspe... (5 pages)View decision -
Decision Reference DRN-4871135
31 Jul 2024 U K Insurance Limited UpheldInsuranceDRN-4871135 The complaint Mrs Y is a sole trader, trading as V. She complains U K Insurance Limited cancelled her ‘business from home’ insurance policy in August 2023. What happened Mrs Y held insurance with UKI for a number of years which most recently renewed in February 2023. In Augu... (3 pages)View decision -
Decision Reference DRN-4889377
31 Jul 2024 ONMO Limited UpheldBanking and PaymentsDRN-4889377 The complaint Mr Y complains that ONMO Limited (ONMO) held the incorrect contact information for him and didn’t communicate with him when he tried to have it amended. Mr Y says this led to distress and inconvenience with his card transactions and to the closure of his accoun... (2 pages)View decision -
Decision Reference DRN-4818946
31 Jul 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4818946 The complaint Mr O complains that HSBC UK Bank Plc (HSBC) unfairly lodged a marker against him with CIFAS – a fraud prevention organisation. What happened Mr O explained that a friend (I’ll refer to him as Mr G) had asked him to sell some foreign currency held by Mr O in exc... (3 pages)View decision -
Decision Reference DRN-4718923
31 Jul 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4718923 The complaint T complain that Santander UK Plc (“Santander”) failed to refund transactions they didn’t recognise. What happened T are a business who are represented here by Mr S. I’ll mainly refer to him as he was representing the business in this complaint. Mr S explained t... (3 pages)View decision -
Decision Reference DRN-4844721
31 Jul 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4844721 The complaint Mr T complains that National Westminster Bank Plc closed his personal account and that, in doing so, it did not provide him with clear and accurate information. What happened Mr T had a current account and a loan with NatWest. In a letter dated 5 May 2023 it to... (2 pages)View decision