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 125299 results
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Decision Reference DRN-4143340
18 Jul 2023 Western Circle Ltd UpheldConsumer CreditDRN-4143340 The complaint Mr H complains through a representative that Western Circle Ltd trading as Cashfloat (Cashfloat) didn’t carry out sufficient affordability checks before it granted loans which he couldn’t afford to repay. What happened Mr H took five loans from Cashfloat and a sum... (4 pages)View decision -
Decision Reference DRN-4226109
17 Jul 2023 Scottish Friendly Assurance Society Limited UpheldPensions and AnnuitiesDRN-4226109 The complaint Mr H complains that Scottish Friendly Assurance Society Limited (Scottish Friendly) didn’t pay the proceeds of his pension plan within the 2021-2022 tax year as it said it would. He says that as a result he paid more income tax than he should have done which he co... (4 pages)View decision -
Decision Reference DRN-4250135
17 Jul 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4250135 The complaint Miss S complained because National Westminster Bank Plc refused to refund her for payments which she said she didn’t authorise. What happened On 17 July 2022, Miss S was shopping, and her handbag was stolen while she was trying on some shoes. The handb... (3 pages)View decision -
Decision Reference DRN-4249784
17 Jul 2023 Gallium Fund Solutions Limited UpheldInvestmentsDRN-4249784 The complaint Mrs R complains she was mis-sold an investment she made in a bond issued by Basset & Gold Plc (“B&G Plc”). Mrs R says she was misled that the bond was protected by the FSCS – but has since lost her money as the bond issuer has gone into administration. Wha... (10 pages)View decision -
Decision Reference DRN-4065955
17 Jul 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4065955 The complaint Mr P complains that Options UK Personal Pensions LLP (formerly Carey Pensions) (‘Options’) shouldn’t have accepted a transfer of his occupational pension scheme into a self-invested personal pension (‘SIPP’). What happened In 2013, Mr P says he was contacted by a ... (40 pages)View decision -
Decision Reference DRN-4249792
17 Jul 2023 Gallium Fund Solutions Limited UpheldInvestmentsDRN-4249792 The complaint Mr R complains he was mis-sold an investment he made in a bond issued by Basset & Gold Plc (“B&G Plc”). Mr R says he was misled that the bond was protected by the FSCS – but has since lost his money as the bond issuer has gone into administration. What hap... (10 pages)View decision -
Decision Reference DRN-4249184
17 Jul 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4249184 The complaint Mr B and Ms V complain that HSBC UK Bank Plc blocked access to their account, which they needed to pay rent and for a house. What happened Mr B and Ms V bank with HSBC. In June 2021 they discovered HSBC had applied a block to their account, preventing any transact... (3 pages)View decision -
Decision Reference DRN-4250065
17 Jul 2023 U K Insurance Limited UpheldInsuranceDRN-4250065 The complaint Mr and Mrs D complain that their home insurer, UK Insurance Limited (UKI), didn’t deal with their claim for damage by an escape of water correctly. References to UKI include its agents. What happened I set out the background to the complaint within my provisional ... (5 pages)View decision -
Decision Reference DRN-4057204
17 Jul 2023 Valitor Limited UpheldBanking and PaymentsDRN-4057204 The complaint Mr A complains that Valitor Limited did not fairly compensate him when the card terminal it supplied was defective. What happened Mr A runs a small business that sells goods at events. He ran into difficulties with the card terminal supplied by Valitor across two ... (2 pages)View decision -
Decision Reference DRN-4250163
17 Jul 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-4250163 Complaint Mr T has complained about a loan Loans 2 Go Limited (“L2G”) provided to him. He says the loan was unaffordable. Background L2G provided Mr T with a loan for £750 in December 2018. The loan had an APR of 990.1% and an 18-month term. This meant that the total amount to ... (3 pages)View decision
