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 125400 results
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Decision Reference DRN-4614016
27 Mar 2024 U K Insurance Limited UpheldInsuranceDRN-4614016 The complaint Mr D complains that U K Insurance Limited trading as Churchill (“UKI”) declined a claim under his motor insurance policy. What happened Mr D had a motor insurance policy with UKI covering his car. In late October 2022, a third-party vehicle collided with his car c... (4 pages)View decision -
Decision Reference DRN-4710635
27 Mar 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4710635 The complaint Mr J has a self-invested personal pension (“SIPP”) with Options UK Personal Pensions LLP (“Options”), formerly Carey Pensions UK LLP (“Carey”). Mr J transferred three existing personal pensions to the SIPP to invest in a property-based investment scheme in Cape Ve... (27 pages)View decision -
Decision Reference DRN-4664943
27 Mar 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4664943 The complaint Mr A has complained about the quality of a car he acquired, using finance from Moneybarn No. 1 Limited. What happened In May 2022, Mr A entered into a finance agreement with Moneybarn, for a used car. Unfortunately, he’s explained he’s had a number of problems wit... (4 pages)View decision -
Decision Reference DRN-4695157
27 Mar 2024 Wakam UpheldInsuranceDRN-4695157 The complaint Mr S has complained about the fact that Wakam’s system didn’t update the salvage category of his vehicle quickly enough when it was changed from category B to category N. And that Wakam’s failure to be clear that this was due to a delay with its system updating, a... (3 pages)View decision -
Decision Reference DRN-4529722
27 Mar 2024 N.I.I.B. Group Limited UpheldConsumer CreditDRN-4529722 The complaint Miss S complains about the quality of a car she acquired through a hire purchase agreement financed by N.I.I.B Group Limited trading as Northridge Finance (Northridge). What happened In March 2023 Miss S acquired a used car through a hire purchase agreement financ... (4 pages)View decision -
Decision Reference DRN-4613090
27 Mar 2024 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4613090 The complaint Mr M complains that Brent Shrine Credit Union Limited trading as My Community Bank (MCB) lent irresponsibly when it approved a loan application he made. What happened In May 2023 Mr M applied for a £3,000 loan with MCB. In his application, Mr M said he was renting... (3 pages)View decision -
Decision Reference DRN-4665703
27 Mar 2024 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4665703 The complaint Miss D complains that Bank of Scotland plc (trading as Halifax) failed to open a current account or set up a standing order on her behalf, causing her loss. What happened Miss D says she contacted Halifax in November 2022 and was helped to open a current account a... (3 pages)View decision -
Decision Reference DRN-4710962
27 Mar 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4710962 The complaint Mr M complains Moneybarn No. 1 Limited (Moneybarn) supplied him with a car that he believes wasn’t of satisfactory quality. He also complains the car was misrepresented to him. What happened The details of this case are well known to both parties so ... (6 pages)View decision -
Decision Reference DRN-4518520
27 Mar 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4518520 The complaint Mr G complains NewDay Ltd trading as Aqua have unfairly defaulted his credit card account. What happened In November 2020 Mr G contacted NewDay to explain he was having financial difficulties. He says he was told he could make no payments for the next five months ... (3 pages)View decision -
Decision Reference DRN-4706265
27 Mar 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4706265 The complaint Mr O complains that Vanquis Bank Limited has mishandled his account for a credit card that he holds with it and has unfairly added interest and charges to the balance. What happened Mr O held a credit card account with Vanquis. Due to a change in his financial cir... (4 pages)View decision
