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 120163 results
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Decision Reference DRN-4353990
2 Oct 2023 TM Advances Limited UpheldConsumer CreditDRN-4353990 Complaint Miss B has complained that TM Advances Limited (“TM Advances”) irresponsibly provided her with an unaffordable loan when she was already struggling as result of excessive gambling. Background TM Advances provided Miss B with a loan of £3,000.00 in March 2018. This loa... (4 pages)View decision -
Decision Reference DRN-4354009
2 Oct 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-4354009 Complaint Mr B has complained about personal loans Loans 2 Go Limited (“L2G”) provided to him. He says the loans were unaffordable and were therefore irresponsibly lent to him. Background L2G provided Mr B with a loan for £1,700.00 in February 2021. This loan had an APR of 253.... (3 pages)View decision -
Decision Reference DRN-3747999
1 Oct 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3747999 The complaint Ms C complains that HSBC UK Bank Plc (trading as “First Direct”) won’t refund money she lost as part of a romance scam. What happened The details of this complaint are well known to both parties, so I won’t repeat everything again in detail. In brief summary, Ms C... (3 pages)View decision -
Decision Reference DRN-3315288
1 Oct 2023 CST Wealth Management Limited UpheldPensions and AnnuitiesDRN-3315288 The complaint Mr S complained that he was given unsuitable advice to transfer his defined benefit (DB) British Steel Pension Scheme (BSPS), to a type of personal pension plan, in 2017. CST Wealth Management Limited is responsible for answering this complaint and so to keep thin... (12 pages)View decision -
Decision Reference DRN-4201917
1 Oct 2023 Automobile Association Insurance Services Limited UpheldInsuranceDRN-4201917 The complaint Mrs K and Mr K complain that Automobile Association Insurance Services Limited (“AAISL”) referred them to an Accident Management Company (“AMC”) to handle the repairs to their car rather than arranging for the insurer to handle a claim under their motor insurance ... (3 pages)View decision -
Decision Reference DRN-4324610
30 Sep 2023 TenetConnect Services Limited UpheldPensions and AnnuitiesDRN-4324610 The complaint Mrs M complains that an appointed representative of TenetConnect Services Limited (‘Tenet’) mis-sold her a Free-Standing Additional Voluntary Contribution (FSAVC) policy in 1992. What happened In October 1992 Mrs M received advice from an appointed representative ... (4 pages)View decision -
Decision Reference DRN-4376492
30 Sep 2023 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-4376492 The complaint Mrs R complains about the quality of a car supplied to her under a hire purchase agreement with BMW Financial Services (GB) Limited, trading as Alphera Financial Services (“Alphera”). What happened In March 2022 Mrs R took out a hire purchase agreement with Alpher... (5 pages)View decision -
Decision Reference DRN-4362225
30 Sep 2023 Ellis Bates Wealth Management Limited UpheldPensions and AnnuitiesDRN-4362225 The complaint Mr B is represented. He says Ellis Bates Wealth Management Limited (‘EBWML’) gave him unsuitable advice in 2019 to switch from his Intelligent Money (‘IM’) Self-Invested Pension (‘SIPP’) to a Parmenion SIPP. In the main, EBWML says the pension switch solution it r... (8 pages)View decision -
Decision Reference DRN-4164773
30 Sep 2023 Pi Financial Ltd UpheldPensions and AnnuitiesDRN-4164773 The complaint Miss N has complained that Pi Financial Ltd (Pi) provided unsuitable advice regarding transferring her Defined Benefit (DB) pension to a personal arrangement. What happened Miss N was a deferred member of a DB pension scheme. She was referred by a colleague to an ... (13 pages)View decision -
Decision Reference DRN-4049178
30 Sep 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4049178 The complaint Mr I complains that National Westminster Bank Plc closed his account and returned his funds to source. He’d like the funds returned and compensation for the impact. What happened Mr I had an account with NatWest. In January 2022 NatWest received five fraud reports... (3 pages)View decision
