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-4863754
24 Jun 2024 Brown Shipley & Co Limited UpheldInvestmentsDRN-4863754 The complaint Mr N and Mrs B complain that Brown Shipley & Co Limited (“BS”) failed to invest their money in line with the mandate for their investment portfolio. They also complain that no annual reviews were conducted. What happened In March 2019, Mr N and Mrs B met with ... (6 pages)View decision -
Decision Reference DRN-4869634
24 Jun 2024 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-4869634 The complaint Mr T has complained about Mitsubishi HC Capital UK Plc’s (‘Mitsubishi’) 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 140A (‘s... (5 pages)View decision -
Decision Reference DRN-4818453
24 Jun 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4818453 The complaint Mr G complains that NewDay Ltd shouldn’t have lent to him because it ought reasonably to have realised that he might struggle to repay the debt. What happened NewDay approved a credit card for Mr G with a £900 credit limit in May 2017. They increased that limit on... (3 pages)View decision -
Decision Reference DRN-4548850
24 Jun 2024 Evolution Lending Limited UpheldMortgagesDRN-4548850 The complaint Mr and Mrs H complain that Evolution Lending Limited gave them a third charge mortgage without properly considering if it was affordable for them. What happened In 2017, Mr and Mrs H took out a third charge mortgage with Evolution. They borrowed £11,800 (including... (6 pages)View decision -
Decision Reference DRN-4109757
24 Jun 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4109757 The complaint Mr P 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 Credit A... (5 pages)View decision -
Decision Reference DRN-4858765
24 Jun 2024 MotoNovo Finance Limited UpheldConsumer CreditDRN-4858765 The complaint Mr P is unhappy that MotoNovo Finance Limited incorrectly updated the address on his credit file. He says this has impacted him financially. What happened Mr P had an agreement with MotoNovo. In July 2023, Mr P had some problems with his other credit facilities. A... (2 pages)View decision -
Decision Reference DRN-4864349
24 Jun 2024 Zuto Limited UpheldConsumer CreditDRN-4864349 The complaint Mr L is unhappy that Zuto Limited won’t arrange a refund of a deposit he paid for a used car which he wanted to purchase with finance arranged by them. What happened Mr L was looking to take out a finance agreement to get a used car. He approached Zuto who, acting... (3 pages)View decision -
Decision Reference DRN-4753499
24 Jun 2024 Domestic & General Insurance Plc UpheldInsuranceDRN-4753499 The complaint Mr M’s complaint is about the handling of a claim made under his mobile phone insurance policy with Domestic & General Insurance Plc. What happened In July 2023, Mr M contacted Domestic & General to make a claim, as his phone had been stolen. Mr M provided... (3 pages)View decision -
Decision Reference DRN-4869225
24 Jun 2024 Acromas Insurance Company Limited UpheldInsuranceDRN-4869225 The complaint Mr K complains about how Acromas Insurance Company Limited handled a claim made on his European roadside assistance policy. What happened Mr K’s car broke down whilst he was abroad, and he made a claim to Acromas. The car was recovered to a garage which provided a... (4 pages)View decision -
Decision Reference DRN-4750573
24 Jun 2024 U K Insurance Limited UpheldInsuranceDRN-4750573 The complaint Mr D complains about the settlement offer U K Insurance Limited (UKI) offered him following the total loss of his car, under his motor insurance policy. What happened In November 2023 Mr D’s car was stolen and damaged. He made a claim to UKI, which it accepted. Th... (2 pages)View decision