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 123440 results
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Decision Reference DRN-5626783
19 Jun 2025 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-5626783 The complaint Mr A complains that Clydesdale Bank Plc will not meet his claim under section 75 of the Consumer Credit Act 1974 (“section 75”) after a training course did not meet his expectations. He says that he did not receive what he paid for and that the bank is liable, ... (3 pages)View decision -
Decision Reference DRN-5635360
19 Jun 2025 Pathlines Pensions UK Limited UpheldPensions and AnnuitiesDRN-5635360 The complaint Mr P had a self-invested personal pension (SIPP) with London & Colonial Services Limited (L&C) now Pathlines Pensions UK Limited. Mr P says L&C mismanaged his SIPP and as a result it allowed investments to be made that were not appropriate investme... (40 pages)View decision -
Decision Reference DRN-5636699
19 Jun 2025 Hubener Versicherungs AG UpheldInsuranceDRN-5636699 The complaint C has complained about Hubener Versicherungs AG’s decision to decline its claim under its Hotel, Guest House & Restaurant Package Insurance policy. C is represented by Mr B, who is a director. What happened C has a fish and chip shop. It insured the conte... (5 pages)View decision -
Decision Reference DRN-5636209
19 Jun 2025 First Holiday Finance Limited UpheldConsumer CreditDRN-5636209 The complaint Mr and Mrs M complain that First Holiday Finance Ltd (the “Lender”) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the “CCA”) and (2) deciding agains... (26 pages)View decision -
Decision Reference DRN-5636725
19 Jun 2025 Tandem Motor Finance Limited UpheldConsumer CreditDRN-5636725 The complaint Mr B complains about a car supplied under a hire purchase agreement, provided by Tandem Motor Finance Limited. What happened Around October 2023 Mr B acquired a used car under a hire purchase agreement with Tandem. The car is listed with a cash price of £15,99... (4 pages)View decision -
Decision Reference DRN-5388756
19 Jun 2025 Blantyre Credit Union Limited UpheldConsumer CreditDRN-5388756 The complaint Mr H complains Blantyre Credit Union Limited didn’t tell him when there was a transfer of engagement involving his previous credit union. He’s also unhappy he received letters saying he was in arrears despite making his repayments, and that his loans were added... (2 pages)View decision -
Decision Reference DRN-5634500
19 Jun 2025 East End Fair Finance Limited UpheldConsumer CreditDRN-5634500 The complaint Miss A complains that East End Fair Finance Limited trading as Fair Finance was irresponsible in its lending to her. She wants all interest and charges on the loan refunded along with statutory interest, and any adverse information removed from her credit file.... (4 pages)View decision -
Decision Reference DRN-5634060
19 Jun 2025 Pi Financial Ltd UpheldPensions and AnnuitiesDRN-5634060 The complaint Ms F complains about the advice given by Pi Financial Ltd to transfer the benefits from her defined-benefit (‘DB’) occupational pension scheme to a personal pension. She says the advice was unsuitable for her and believes this has caused a financial loss. What ... (9 pages)View decision -
Decision Reference DRN-5613083
19 Jun 2025 Bank of Scotland Plc UpheldMortgagesDRN-5613083 The complaint Ms H complains that Bank of Scotland plc trading as Halifax hasn’t treated her fairly considering her vulnerabilities. What happened Ms H has an interest-only mortgage with Halifax. Ms H extended the term of her mortgage a few years ago and the mortgage balance... (3 pages)View decision -
Decision Reference DRN-5633670
19 Jun 2025 First Holiday Finance Ltd UpheldConsumer CreditDRN-5633670 The complaint Mr and Mrs R complain that First Holiday Finance Ltd (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding agains... (27 pages)View decision
