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-4008412
6 Jun 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-4008412 The complaint Mrs M complains that Loans 2 Go Limited lent to her irresponsibly. What happened Mrs M applied for and received the following loans from Loans 2 Go: Date Amount Term Monthly repayment APR Total repayable Loan 1 24 Aug 2019 £1,000 18 months £228.56 1,013.2% £4,114.... (3 pages)View decision -
Decision Reference DRN-3818247
6 Jun 2023 Casualty & General Insurance Company (Europe) Ltd UpheldInsuranceDRN-3818247 The complaint Mr C has complained that Casualty & General Insurance Company (Europe) Limited (C&G) has declined his claim for investigation and treatment for his pet dog. What happened On 23 March 2022, Mr C took his dog, who I’ll refer to as “E”, to her vet as he was c... (3 pages)View decision -
Decision Reference DRN-4049940
6 Jun 2023 AXA Insurance UK Plc UpheldInsuranceDRN-4049940 The complaint Mr H complains about how AXA Insurance UK Plc has settled his claim on his landlords insurance policy. Mr H has been represented by a third party throughout this complaint. However for ease of reading, all references to Mr H include the actions of his representati... (3 pages)View decision -
Decision Reference DRN-4172294
6 Jun 2023 Santander UK Plc UpheldBanking and PaymentsDRN-4172294 Complaint Mr M has complained that Santander UK Plc (“Santander”) irresponsibly provided him with an overdraft which it continued applying charges on even when he was in financial difficulty. Background One of our adjudicators looked at Mr M’s complaint and thought we could loo... (3 pages)View decision -
Decision Reference DRN-4172216
6 Jun 2023 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4172216 Complaint Miss L has complained that Bank of Scotland Plc (trading as “Halifax”) irresponsibly provided her with an overdraft and then unfairly continued applying charges to it when it ought to have seen that she couldn’t repay what she owed. Background One of our adjudicators ... (3 pages)View decision -
Decision Reference DRN-3883375
5 Jun 2023 Ikano Bank AB (publ) UpheldBanking and PaymentsDRN-3883375 The complaint Mr W complains that Ikano Bank AB (publ) declined his claim under section 75 of the Consumer Credit Act 1974 for a refund of his purchase of a sofa. What happened In November 2021 Mr W ordered a sofa with a chaise longue and paid for it with a two year, zero-inter... (4 pages)View decision -
Decision Reference DRN-4022891
5 Jun 2023 Scottish Friendly Assurance Society Limited UpheldPensions and AnnuitiesDRN-4022891 The complaint Miss T complains that Scottish Friendly Assurance Society Limited (SF) gave her incorrect information when she was deciding how to access her pension, which caused delays and a financial loss. What happened Miss T had a Group Personal Pension with SF. In February ... (7 pages)View decision -
Decision Reference DRN-4004386
5 Jun 2023 U K Insurance Limited UpheldInsuranceDRN-4004386 The complaint Mr P complains that U K Insurance Limited (UKI) held him responsible for claims made on his motor insurance policy when he was no longer the owner of the car. What happened Mr P was involved in an incident in October 2021 and his car was deemed a total loss. But ... (3 pages)View decision -
Decision Reference DRN-4070168
5 Jun 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4070168 The complaint Mr J complains that Options UK Personal Pensions LLP (‘Options’) shouldn’t have accepted his application to transfer his defined benefit pension into a self-invested personal pension (‘SIPP’) and invest his funds in a Friends Provident International (‘FPI’) bond. ... (39 pages)View decision -
Decision Reference DRN-4007125
5 Jun 2023 Watford Insurance Company Europe Limited UpheldInsuranceDRN-4007125 The complaint Mr A complains about the settlement that Watford Insurance Company Europe Limited paid him for the total loss of his car following a claim made on his motor insurance policy. What happened Mr A’s car was damaged, and he made a claim to Watford. It declared the car... (2 pages)View decision
