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 119923 results
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Decision Reference DRN-4184156
31 Jul 2023 George Banco Limited UpheldConsumer CreditDRN-4184156 Complaint Mr M has complained about a guarantor loan George Banco Limited (trading as “George Banco”.com) provided to him. He says the loan was unaffordable. Background George Banco provided Mr M with a guarantor loan for £4,500.00 in August 2017. This loan had an APR of 57.54%... (3 pages)View decision -
Decision Reference DRN-4055221
31 Jul 2023 Fairmead Insurance Limited UpheldInsuranceDRN-4055221 The complaint Miss B and Mr T complain about delays and poor service by Fairmead Insurance Limited trading as Legal and General when dealing with a claim on their home insurance policy. What happened In July 2020 Miss B and Mr T noticed a leak of water in their home. A pipe had... (3 pages)View decision -
Decision Reference DRN-4197459
31 Jul 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4197459 Complaint Ms A has complained about a guarantor loan Everyday Lending Limited (trading as “George Banco”.com) provided to her. She says the loan was unaffordable. Background George Banco provided Ms A with a guarantor loan for £3,000.00 in August 2018. This loan had an APR of 6... (3 pages)View decision -
Decision Reference DRN-4194210
31 Jul 2023 Fairmead Insurance Limited UpheldInsuranceDRN-4194210 The complaint Mr H1, Mrs H1 and Mr H2 are unhappy that Fairmead Insurance Limited offered a reduced settlement amount for a claim they made on their home insurance policy. As Mr H1 has primarily dealt with things, for simplicity I’ll refer to him only and call him Mr H. Referen... (4 pages)View decision -
Decision Reference DRN-4190246
31 Jul 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4190246 Complaint Mrs P has complained about a guarantor loan Everyday Lending Limited (“Trust Two”) provided to her. She says the loan was unaffordable. Background Trust Two provided Mrs P with a guarantor loan for £3,000.00 in February 2020. This loan had an APR of 79.93% and a term ... (3 pages)View decision -
Decision Reference DRN-4272548
31 Jul 2023 James Hay Administration Company Ltd UpheldPensions and AnnuitiesDRN-4272548 The complaint Mr K complains about the length of time James Hay Administration Company Limited took in transferring his Self-Invested Personal Pension (SIPP) to Prudential. He’d like James Hay to recompense him for the losses he says he’s incurred because of their delays. What ... (7 pages)View decision -
Decision Reference DRN-4018124
31 Jul 2023 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4018124 The complaint Miss H is unhappy that Creation Consumer Finance Ltd (Creation) has applied interest to her finance account. What happened It appears Miss H took out a financing agreement with Creation in September 2020 with an initial drawdown of £358. This was fully repaid insi... (3 pages)View decision -
Decision Reference DRN-4274940
31 Jul 2023 OMNIO EMI LIMITED UpheldBanking and PaymentsDRN-4274940 The complaint Mrs M complains about Omnio EMI Limited holding her liable for transactions she says she didn’t authorise. Mrs M held a Vox Money account and card which was issued by Omnio EMI Limited. For ease, I have referred to Omnio throughout my decision. What happened In Ju... (8 pages)View decision -
Decision Reference DRN-4273162
31 Jul 2023 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-4273162 The complaint Miss M and Mr M have complained about damage charges applied by Mercedes-Benz Financial Services UK Limited trading as Mercedes-Benz Finance (MBFS) under a hire purchase agreement. To keep things simple, I’ll refer to Miss M throughout because she’s the main compl... (5 pages)View decision -
Decision Reference DRN-4093881
31 Jul 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4093881 Complaint Mr R has complained about a guarantor loan Everyday Lending Limited (trading as “Trust Two”) provided to him. He says the loan was unaffordable and so shouldn’t have been provided to him in the first place. Background Trust Two provided Mr R with a guarantor loan for ... (3 pages)View decision
