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 118878 results
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Decision Reference DRN-3843360
8 Dec 2022 Morses Club PLC UpheldConsumer CreditDRN-3843360 The complaint Mrs S complains Morses Club PLC (Morses) gave her loans that she couldn’t afford to repay. What happened Mrs S took seven home collected loans between July 2017 and September 2018. I’ve included some of the information we’ve received about these loans in the table... (6 pages)View decision -
Decision Reference DRN-3847980
8 Dec 2022 Morses Club PLC UpheldConsumer CreditDRN-3847980 The complaint Mr K, through a representative complains that Morses Club PLC (Morses) didn’t carry out sufficient proportionate affordability checks before it lent to him. What happened Mr K was advanced six home collected loans between April 2016 and May 2019. I’ve included som... (5 pages)View decision -
Decision Reference DRN-3815590
7 Dec 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3815590 The complaint Mr K complains that Loans 2 Go Limited (L2G) lent irresponsibly when it approved his loan application. What happened Mr K applied for a loan with L2G in August 2021. L2G approved the application and gave Mr K a loan of £500. The total amount repayable was £1850.04... (3 pages)View decision -
Decision Reference DRN-3842647
7 Dec 2022 Wealthmasters Financial Management Ltd UpheldPensions and AnnuitiesDRN-3842647 The complaint The complaint is about advice from Wealthmasters Financial Management Ltd (WFM). The advice was to invest in unregulated investments. The trustees of the Small Self Administered Scheme (SSAS) thought that the recommended investments were too high risk. Mr and Mr C... (11 pages)View decision -
Decision Reference DRN-3838137
7 Dec 2022 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-3838137 The complaint Mr W complains about issues with a kitchen that he paid for using a fixed sum loan agreement with Mitsubishi HC Capital UK plc, trading as Novuna Personal Finance. What happened I issued a provisional decision on this complaint in November 2022 in which I describe... (6 pages)View decision -
Decision Reference DRN-3841497
7 Dec 2022 First Data Europe Limited UpheldBanking and PaymentsDRN-3841497 The complaint F, a limited company, complains that First Data Europe Limited (First Data) failed to notify it about a chargeback. This left F unable to dispute the chargeback. F is represented in its complaint by a director, Mr P. What happened Mr P says that in November 2021 a... (2 pages)View decision -
Decision Reference DRN-3835844
7 Dec 2022 Warren & Co (Complete Financial Solutions) Ltd UpheldPensions and AnnuitiesDRN-3835844 The complaint Mr B has complained that Warren & Co (Complete Financial Solutions) Ltd advised him to make pension contributions in excess of his “relevant” earnings for the tax years 2018/19 and 2020/21. As a result, Mr B has incurred an annual allowance charge from HMRC. W... (9 pages)View decision -
Decision Reference DRN-3847644
7 Dec 2022 1plus1 Loans Limited UpheldConsumer CreditDRN-3847644 The complaint Miss L complains 1Plus1 Loans Limited lent to her irresponsibly. What happened In February 2019 Miss L applied for a guarantor loan for £4,000, which was repayable over a period of 60 months. Following a conversation between 1Plus1 Loans and Miss L’s guarantor, th... (5 pages)View decision -
Decision Reference DRN-3536613
7 Dec 2022 Monzo Bank Ltd UpheldBanking and PaymentsDRN-3536613 The complaint Miss K is unhappy that Monzo Bank Ltd are holding her liable for a transaction she says she didn’t make. What happened On 15 July 2021, Miss K says she received a call from someone claiming to be from Monzo. She says the phone number matched Monzo’s number, and th... (4 pages)View decision -
Decision Reference DRN-3842692
7 Dec 2022 Agria Pet Insurance Ltd UpheldInsuranceDRN-3842692 The complaint Mrs P has complained that Agria Pet Insurance Ltd unreasonably refused to pay her claims under her pet policy because it said the condition claimed arose during the waiting period when the policy started. What happened Mrs P bought her pet policy with Agria to st... (9 pages)View decision
