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-4910640
16 Jul 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4910640 The complaint Mrs T has complained about Creation Consumer Finance Ltd’s (‘Creation’) response to a claim she made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’) and in relation to allegations of an unfair relationship taking in to account Section 140.... (7 pages)View decision -
Decision Reference DRN-4821337
16 Jul 2024 Pepper (UK) Limited UpheldMortgagesDRN-4821337 The complaint This complaint is about two buy-to-let (BTL) mortgages Mr and Mrs B hold with Pepper (UK) Ltd trading as Engage Credit (Engage). The essence of the complaint is that Mr and Mrs B believe Engage has treated them unfairly by not offering more support when their f... (4 pages)View decision -
Decision Reference DRN-4558333
16 Jul 2024 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4558333 The complaint Mr E complains that Bank of Scotland plc (BoS) used contact information he’d provided in connection with another account with a different bank, (who I will call ‘X’), for the purposes of his Halifax account. What happened In October 2023 Mr E opened a Halifax ... (3 pages)View decision -
Decision Reference DRN-4899722
16 Jul 2024 Close Brothers Limited UpheldConsumer CreditDRN-4899722 The complaint Ms G and Mr O complain that a car supplied to them under a conditional sale agreement by Close Brothers Limited trading as Close Brothers Motor Finance (“Close Brothers”) was of an unsatisfactory quality. What happened It appears that Mr O was the primary purch... (4 pages)View decision -
Decision Reference DRN-4910126
16 Jul 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4910126 The complaint Mr M complains that London & Colonial Services Limited (‘L&C’) didn’t carry out sufficient due diligence or act in his best interests when it accepted his application for a Self-Invested Personal Pension (‘SIPP’) to invest in Chateau de la Cazine (‘CDC’... (40 pages)View decision -
Decision Reference DRN-4776351
16 Jul 2024 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-4776351 The complaint Mr O complains about the amount Admiral Insurance (Gibraltar) Limited (“Admiral”) valued his vehicle for following a claim under his car insurance policy. What happened Mr O had a motor insurance policy with Admiral covering his car In December 2023 his car was... (2 pages)View decision -
Decision Reference DRN-4910272
16 Jul 2024 esure Insurance Limited UpheldInsuranceDRN-4910272 The complaint Mr S complains that esure Insurance Limited (esure) increased his premium at renewal unfairly due to a delay in it closing a non-fault claim, under his motor insurance policy. What happened Mr S says he paid £102 a month for his insurance with esure. But at re... (3 pages)View decision -
Decision Reference DRN-3925085
16 Jul 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3925085 The complaint Mr F has complained about Creation Consumer Finance Ltd’s (‘Creation’) 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 in to account Section 140.A ... (7 pages)View decision -
Decision Reference DRN-4852015
16 Jul 2024 AXA PPP Healthcare Limited UpheldInsuranceDRN-4852015 The complaint Mrs D complains that AXA PPP Healthcare Limited has turned down a disability compensation claim she made on an International Health Plan. What happened The background to this complaint is well-known to both parties. So I’ve simply set out a summary of what I th... (4 pages)View decision -
Decision Reference DRN-4717142
16 Jul 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4717142 The complaint Mr A complains that Monzo Bank Ltd did not refund a series of payments he lost to a scam. What happened Mr A was contacted on a messaging app by a recruiter, who offered him a job opportunity. Mr A had been looking for work so did not question the sudden contac... (5 pages)View decision