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 120936 results
-
Decision Reference DRN-4402324
16 Oct 2023 Bank of Scotland Plc UpheldConsumer CreditDRN-4402324 The complaint Miss W complains that the Bank of Scotland plc (trading as Halifax) was irresponsible to lend to her. What happened Miss W had two loans from Halifax in January 2019 and January 2020 as follows: Loan Date Amount Term Repayment Due Repaid 1 15 Jan 2019 £9,500 27m £... (3 pages)View decision -
Decision Reference DRN-4402533
16 Oct 2023 Madison CF UK Limited UpheldConsumer CreditDRN-4402533 The complaint Mr F has complained that Madison CF UK Limited (trading as 118 118 Money) are holding him liable for a debt which he says was taken out as the result of a scam. What happened Both sides are most familiar with the case, so I’ll summarise things in brief. Mr F had p... (3 pages)View decision -
Decision Reference DRN-4295041
16 Oct 2023 Scottish Equitable Plc UpheldPensions and AnnuitiesDRN-4295041 The complaint The complaint in this case relates to the information provided by Scottish Equitable Plc trading as Aegon (Aegon) to Ms W’s IFA explaining how the tax on pension benefits over the Lifetime Allowance (LTA) is payable, specifically regarding whose responsibility it ... (4 pages)View decision -
Decision Reference DRN-4400944
16 Oct 2023 Hayden Kilkelly Independent Financial Advisors Limited UpheldPensions and AnnuitiesDRN-4400944 The complaint The complaint in this case relates to the advice given to Ms W by Hayden Kilkelly Independent Financial Advisors Limited (Hayden Kilkelly) in relation to her pensions, specifically in relation to the order in which benefits should be taken from Ms W’s various uncr... (7 pages)View decision -
Decision Reference DRN-4283636
16 Oct 2023 West Bay Insurance Plc UpheldInsuranceDRN-4283636 The complaint Mr T complains that West Bay Insurance Plc (“West Bay”) declined a claim he made on his motor insurance policy after his car was stolen. All references to West Bay include its agents. What happened Mr T has motor insurance with West Bay. In October... (3 pages)View decision -
Decision Reference DRN-4346601
16 Oct 2023 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4346601 The complaint Mr C has complained that Clydesdale Bank Plc, trading as Virgin Money, (“Clydesdale”) irresponsibly lent to him. What happened Mr C opened a credit card account with Clydesdale in November 2020 with a credit limit of £4,400. His credit limit was increased in Augus... (3 pages)View decision -
Decision Reference DRN-4399137
16 Oct 2023 Vodafone Limited UpheldConsumer CreditDRN-4399137 The complaint Mr C complains about how Vodafone Limited has administered a loan he took out with it. What happened I set out below Mr C’s version of events and Vodafone’s version of those same events. Mr C’s version of events Mr C took out two loans with Vodafone Limited to pay... (6 pages)View decision -
Decision Reference DRN-4184404
16 Oct 2023 Paragon Bank Plc UpheldConsumer CreditDRN-4184404 The complaint Mrs I complains that the caravan she acquired through a hire purchase agreement with Paragon Bank Plc trading as Paragon Motor Finance isn’t fit for purpose. She wants to reject the caravan. What happened Mrs I entered into a hire purchase agreement in April 2022 ... (4 pages)View decision -
Decision Reference DRN-4397610
16 Oct 2023 DAS Legal Expenses Insurance Company Limited UpheldInsuranceDRN-4397610 The complaint Mrs M’s complaint is about a claim she made on her DAS Legal Expenses Insurance Company Limited (‘DAS’) legal expenses insurance policy. Mrs M says DAS treated her unfairly. Mrs M’s complaint is brought by her representative in this complaint, but I shall refer to... (4 pages)View decision -
Decision Reference DRN-4145208
16 Oct 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4145208 The complaint Miss H complains that she couldn’t access her credit card online – provided by HSBC UK Bank Plc trading as first direct (first direct). What happened In October 2022, Miss H found that she couldn’t view her credit card activity online or via first direct’s app. So... (2 pages)View decision
