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-4264462
21 Aug 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4264462 Complaint Mrs N has complained about a loan Everyday Lending Limited (trading as “Everyday Loans”) provided to her. She says the loan was unaffordable. Background Everyday Loans provided Mrs N with a loan for £1,500.00 in March 2019. This loan had a term of 18 months and an APR... (3 pages)View decision -
Decision Reference DRN-4307914
21 Aug 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-4307914 Complaint Miss M has complained that Loans 2 Go Limited (“L2G”) provided her with an unaffordable loan. Background L2G provided Miss M with a loan for £2,000.00 in December 2020. This loan had an APR of 253.7% and a 24-month term. This all meant the total amount repayable of £5... (4 pages)View decision -
Decision Reference DRN-3313568
19 Aug 2023 Hunter Mills Limited UpheldPensions and AnnuitiesDRN-3313568 The complaint Mr A complains about the suitability of the advice provided by Hunter Mills Limited (“Hunter Mills”) in November 2017 to transfer the value of his safeguarded benefits in the British Steel Pension Scheme (“BSPS”) to a personal pension plan (“PPP”). What happened T... (18 pages)View decision -
Decision Reference DRN-4170442
19 Aug 2023 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4170442 The complaint Miss C complains that Bank of Scotland plc failed to update her credit file as agreed. What happened Miss C says Bank of Scotland (BoS) failed to remove late payment markers from her credit file as agreed. She says she tried to pay a small balance on her account b... (2 pages)View decision -
Decision Reference DRN-4237076
18 Aug 2023 One Sure Insurance Limited UpheldInsuranceDRN-4237076 The complaint Miss K complains that One Sure Insurance Limited mishandled her motor trade insurance policy. What happened In early 2022, Miss K had 5 years’ no-claims discount (“NCD”) on a private car policy. She contacted One Sure (an insurance intermediary). They discussed a ... (2 pages)View decision -
Decision Reference DRN-4309046
18 Aug 2023 Scottish Equitable Plc UpheldPensions and AnnuitiesDRN-4309046 The complaint Miss J complains about poor service from Scottish Equitable Plc trading as Aegon (Aegon) when she tried to take her pension. What happened Miss J said she wanted to take her pension before age 55 on medical grounds. She called them in early March 2023 and was told... (3 pages)View decision -
Decision Reference DRN-3978584
18 Aug 2023 Hiscox Insurance Company Limited UpheldInsuranceDRN-3978584 The complaint Mr S, trading as an enterprise, complains about the settlement, by Hiscox Insurance Company Limited, of his business interruption insurance claim, made as a result of the COVID-19 pandemic. What happened The following is intended only as a brief summary of events.... (16 pages)View decision -
Decision Reference DRN-4295223
18 Aug 2023 Phoenix Life Limited UpheldPensions and AnnuitiesDRN-4295223 The complaint Mr L complains that Phoenix Life Limited (Phoenix) didn’t honour the initial cash equivalent transfer value (CETV) that it set out in his retirement pack when he wanted to transfer his occupational pension scheme (OPS) benefits. He says Phoenix recalculated the va... (5 pages)View decision -
Decision Reference DRN-4180214
18 Aug 2023 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4180214 The complaint Miss S complains about the quality of a car supplied to her under a hire purchase agreement with Specialist Motor Finance Limited (“SMF”). What happened In July 2022, Miss S took out a hire purchase agreement with SMF for a used car. This car had a cash price of £... (7 pages)View decision -
Decision Reference DRN-4307442
18 Aug 2023 Nutmeg Saving and Investment Limited UpheldInvestmentsDRN-4307442 The complaint Miss P complained about the service provided by Nutmeg Saving and Investment Limited. She said it failed to transfer a cash balance from her ISA to a third party and instead transferred it to one of her bank accounts. Miss P said it had caused great disruption, wo... (4 pages)View decision
