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-4629438
19 Feb 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4629438 The complaint Mr A complains about the due diligence London & Colonial Services Limited (L&C) undertook before accepting his application for a Self-Invested Personal Pension (SIPP). Mr A complains that L&C failed to carry out sufficient due diligence on both the int... (42 pages)View decision -
Decision Reference DRN-4615069
19 Feb 2024 Consumer Credit Justice Limited UpheldClaims ManagementDRN-4615069 The complaint Mr D complains about Consumer Credit Justice Limited (“CCJL”) and the service they’ve provided since being instructed to pursue a claim for mis-selling centred around his pension. What happened In or around 2021, Mr D instructed CCJL to pursue a mis-sold pension c... (3 pages)View decision -
Decision Reference DRN-4629062
19 Feb 2024 Prepay Technologies Ltd UpheldBanking and PaymentsDRN-4629062 The complaint Mr B complains PrePay Technologies Limited charged him inactivity fees. What happened Mr B took out a reloadable electronic money card with a travel agent, in July 2013. Mr B used the card, and the last transaction was in August 2016. Mr B was going on a trip in 2... (4 pages)View decision -
Decision Reference DRN-4428512
19 Feb 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4428512 The complaint Mr K complains Creation Consumer Finance Ltd declined his application for finance. What happened Mr K visited an electrical store to get a desk top computer. Mr K applied for a two year interest free deal but the finance was declined. Mr K says he has a regular in... (3 pages)View decision -
Decision Reference DRN-4466448
19 Feb 2024 The Co-operative Bank Plc UpheldBanking and PaymentsDRN-4466448 The complaint Mr B complains The Co-Operative Bank Plc unfairly stopped him making card payments while travelling abroad. He says this caused him considerable losses, including being unable to obtain a divorce from his partner or complete the sale of a property he owned. What h... (3 pages)View decision -
Decision Reference DRN-4365625
19 Feb 2024 Pepper (UK) Limited UpheldMortgagesDRN-4365625 The complaint Mr H complains that Pepper (UK) Limited trading as Engage Credit has unfairly increased the interest rate on his mortgage. He also considers that Engage provided poor service. What happened In 2007, Mr H took out an interest only mortgage with Kensington. The mort... (3 pages)View decision -
Decision Reference DRN-4492088
19 Feb 2024 David Williams IFA Ltd UpheldPensions and AnnuitiesDRN-4492088 The complaint Mr S is represented. His complaint is about the ongoing advisory service provided by David Williams IFA Ltd (‘DW’) for his employer based Self-Invested Personal Pension (‘SIPP’), between 2015 and 2021 (‘the period’). He mainly says DW – Provided poor ongoing advi... (10 pages)View decision -
Decision Reference DRN-4629224
19 Feb 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4629224 Complaint Mr O has complained about a personal loan Creation Consumer Finance Limited (Creation) provided to him. He says that the loan was unaffordable and so shouldn’t have been provided to him. Background Creation provided Mr O with a loan for £10,000.00 in March 2018. This ... (3 pages)View decision -
Decision Reference DRN-4629211
19 Feb 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4629211 The complaint Mr G complains about Lloyds Bank PLC’s (‘Lloyds’) actions in relation to a payment he attempted to make. What happened On 17 January 2023, Mr G attempted to make a bank transfer of £200. Lloyds blocked the payment and Mr G’s account and online banking, as they wer... (6 pages)View decision -
Decision Reference DRN-4487206
18 Feb 2024 Bhavik Shah IFA UpheldPensions and AnnuitiesDRN-4487206 The complaint Mr E complains about the outcome of the review carried out by Bhavik Shah IFA (“Bhavik Shah”) in connection with the FCA’s consumer redress scheme for the British Steel Pension Scheme (“BSPS”) – to make my findings easier to follow, I’ll refer to this as the “redr... (9 pages)View decision
