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 119142 results
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Decision Reference DRN-3865134
19 Dec 2022 TRANSUNION INTERNATIONAL UK LIMITED UpheldConsumer CreditDRN-3865134 The complaint Mr S is unhappy Transunion International UK Limited recorded incorrect information on his credit file. What happened Mr S says he started work with a firm in September 2021 – this work involved Mr S supplying a service to the firm through his limited company. Soon... (4 pages)View decision -
Decision Reference DRN-3785980
19 Dec 2022 PSA Finance UK Limited UpheldConsumer CreditDRN-3785980 The complaint Miss M complains that PSA Finance UK Limited (“PSA”) irresponsibly granted her a loan she couldn’t afford to repay. What happened In March 2019 Miss M acquired a car and financed the deal through a conditional sale agreement with PSA. She was required to make 60 m... (3 pages)View decision -
Decision Reference DRN-3634361
19 Dec 2022 Union Reiseversicherung AG UpheldInsuranceDRN-3634361 The complaint Mr P is unhappy that Union Reiseversicherung AG hasn’t settled a claim he made on his travel insurance policy. What happened In 2017 Mr P was involved in two separate accidents which led to him receiving hospital treatment in the USA. Mr P successfully claimed on ... (4 pages)View decision -
Decision Reference DRN-3862376
19 Dec 2022 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-3862376 The complaint Mrs S complains that Admiral Insurance (Gibraltar) Limited mishandled her claim on her motor insurance policy. Where I refer to Admiral, I refer to the above-named insurance company and I include its repairer and others insofar as I hold Admiral responsible for th... (4 pages)View decision -
Decision Reference DRN-3846429
19 Dec 2022 HSBC UK Bank Plc UpheldMortgagesDRN-3846429 The complaint Mr W complains about the way that HSBC UK Bank Plc has dealt with him when he voluntarily surrendered the property he had mortgaged with it. What happened Mr W had a mortgage with HSBC. He wanted to voluntarily surrender the property as he wasn’t able to work beca... (3 pages)View decision -
Decision Reference DRN-3604083
19 Dec 2022 Barclays Bank UK PLC UpheldConsumer CreditDRN-3604083 The complaint Miss B is unhappy with how Barclays Bank UK PLC (Barclays) have treated her in relation to a personal loan. What happened The personal loan In January 2019, Miss B took out a personal loan for £21,000. The term of the loan was for 78 months and Miss B made repayme... (7 pages)View decision -
Decision Reference DRN-3802321
19 Dec 2022 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-3802321 The complaint Ms E complains about Royal & Sun Alliance Insurance Limited (RSA) and their decision to initially decline her claim, before providing her with a settlement offer that she feels is unsatisfactory. What happened Ms E held a home insurance policy that was underwr... (4 pages)View decision -
Decision Reference DRN-3862528
19 Dec 2022 Bamboo Limited UpheldConsumer CreditDRN-3862528 Complaint Miss T has complained about loans Bamboo Limited (“Bamboo”) provided to her. She says the loans were unaffordable. Background Bamboo provided Miss T with an initial loan for £1,000.00 in August 2019. This loan had an APR of 49.7% and a term of 12 months. This meant th... (3 pages)View decision -
Decision Reference DRN-3648763
19 Dec 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3648763 Complaint Mr J has complained about a guarantor loan Everyday Lending Limited (trading as “Trust Two”) provided to him. He says the loan was unaffordable. Background Trust Two provided Mr J with a guarantor loan for £6,700.00 in September 2018. This loan had an APR of 49.5% and... (3 pages)View decision -
Decision Reference DRN-3864730
18 Dec 2022 Great Lakes Insurance SE UpheldInsuranceDRN-3864730 The complaint Mr M complains that Great Lakes Insurance SE (“Great Lakes”) unfairly declined a claim made under his gadget insurance policy and terminated his cover. What happened Mr M took out gadget insurance online with Great Lakes. When his laptop got damaged he made a clai... (2 pages)View decision
