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
-
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 -
Decision Reference DRN-4242118
31 Jul 2023 One Insurance Limited UpheldInsuranceDRN-4242118 The complaint Mrs B complains about how One Insurance Limited dealt with her claim on her accidental damage cover as part of her home insurance. What happened Mrs B had a home insurance policy. It came with an accidental damage extension that was underwritten by One Insurance. ... (3 pages)View decision -
Decision Reference DRN-4239611
31 Jul 2023 Liverpool Victoria Financial Services Limited UpheldPensions and AnnuitiesDRN-4239611 The complaint Mrs B complains that the compensation Liverpool Victoria Financial Services Limited (“LVFS”) has offered to her, in respect of some advice she was given in 1997 about making additional pension contributions, is insufficient. What happened Mrs B has been assisted i... (7 pages)View decision -
Decision Reference DRN-4249672
31 Jul 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4249672 The complaint Mr W complains that NewDay Ltd trading as Aqua registered a Q marker on his credit file. What happened Mr W says that Aqua had added a Q marker to his credit file. He says Aqua asked for a letter from a credit reference agency (CRA), which he provided to them, but... (3 pages)View decision -
Decision Reference DRN-3706561
31 Jul 2023 TenetConnect Limited UpheldPensions and AnnuitiesDRN-3706561 The complaint Mr G complains about the advice given by TenetConnect Limited (‘Tenet’) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a self-invested personal pension (‘SIPP’). He thinks the advice may have been unsuitable for him and has... (9 pages)View decision
