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 122405 results
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Decision Reference DRN-4160740
7 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4160740 The complaint Miss P says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Miss P applied for a credit card in January 2020. It was approved with a limit of £300 and she was given four subsequent credit limit increases by NewDay. The first increase was in O... (3 pages)View decision -
Decision Reference DRN-4172195
7 Jun 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4172195 The complaint Mr M complains Lloyds Bank PLC didn’t promptly update the credit reference agencies (CRA’s) once he paid off his credit card balance. And he’s unhappy that after Lloyds did tell the CRA’s this, one of them didn’t update the balance to zero because they said Lloyds... (4 pages)View decision -
Decision Reference DRN-4161846
7 Jun 2023 QIC Europe Ltd UpheldInsuranceDRN-4161846 The complaint Mr and Mrs B are unhappy with the repairs carried out by QIC Europe Ltd to settle a claim they made under their home insurance policy. Mrs B has primarily dealt with the claim, so I’ll refer to her only for ease of reading. What I’ve decided – and why I’ve conside... (3 pages)View decision -
Decision Reference DRN-4175039
7 Jun 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4175039 The complaint Miss E complains that Tesco Personal Finance PLC trading as Tesco Bank have irresponsibly lent to her. What happened Miss E applied for and was accepted for a Tesco credit card in September 2011 with an opening credit limit of £4,000. This was increased to £6,000 ... (5 pages)View decision -
Decision Reference DRN-4154004
7 Jun 2023 Frank Corrigan & Co. Limited UpheldPensions and AnnuitiesDRN-4154004 The complaint Mr H complained about the advice given by one of Frank Corrigan & Co. Limited’s (“Frank Corrigan”) advisors to transfer the benefits from his ex-employer’s defined benefit occupational pension scheme (“DB pension”) to a personal pension. He says the advice was... (9 pages)View decision -
Decision Reference DRN-4057296
7 Jun 2023 AXG Advice Ltd UpheldPensions and AnnuitiesDRN-4057296 The complaint Mrs O complains about the advice given by AXG Advice Ltd (AXG) to transfer the benefits from her defined-benefit (‘DB’) occupational pension scheme to self-invested personal pension (‘SIPP’). She says the advice was unsuitable for her and believes this has caused ... (8 pages)View decision -
Decision Reference DRN-4023425
7 Jun 2023 Bank of Ireland (UK) Plc UpheldBanking and PaymentsDRN-4023425 The complaint Mrs M is unhappy with the way Bank of Ireland (UK) Plc handled her request for assistance after the bank refused to accept some credits into her AA-branded savings account. What happened The circumstances that led to this complaint are well known to both parties, ... (2 pages)View decision -
Decision Reference DRN-4161387
7 Jun 2023 London Community Credit Union Limited UpheldConsumer CreditDRN-4161387 The complaint Ms B complains about London Community Credit Union Limited’s (“LCCU”) handling of a loan. What happened In summary: Ms B complains that she took out a loan with LCCU under duress and didn’t receive all of the loan funds. In 2019, Ms B says she was reliant on a thi... (8 pages)View decision -
Decision Reference DRN-4169522
7 Jun 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-4169522 Complaint Mr T has complained about a loan Loans 2 Go Limited (“L2G”) provided to him. He says the loan was unaffordable. Background L2G provided Mr T with a loan for £700 in October 2021. The loan had an APR of 770% and an 18-month term. This meant that the total amount to be ... (3 pages)View decision -
Decision Reference DRN-4136090
6 Jun 2023 Klarna Bank AB (publ) UpheldConsumer CreditDRN-4136090 The complaint Mr A complains that Klarna Bank AB (publ) reported late payment markers on his credit file. What happened In November 2021 Mr A made an online purchase and entered into a finance agreement with Klarna. Mr A set up a direct debit for automatic monthly payments. How... (2 pages)View decision
