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 121262 results
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Decision Reference DRN-3831445
17 Feb 2023 QIC Europe Ltd UpheldInsuranceDRN-3831445 The complaint Ms A is unhappy that QIC Europe Ltd declined a claim she made for lost jewellery under her home insurance policy. What happened The circumstances of this complaint aren’t in dispute, so I’ll summarise the main points: Ms A got in touch with QIC in September 2022 ... (3 pages)View decision -
Decision Reference DRN-3790744
17 Feb 2023 Towergate Financial (West) Limited UpheldPensions and AnnuitiesDRN-3790744 The complaint Mr C complained about the advice he was given by Towergate Financial (West) Limited trading as Towergate Financial (‘Towergate’) to make an investment in Elysian Fuels. The advice, which also involved Mr C selling the Elysian Fuels shares to a newly established se... (9 pages)View decision -
Decision Reference DRN-3845234
17 Feb 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3845234 The complaint Mr and Mrs M are unhappy that Lloyds Bank PLC (“Lloyds”) have decided not to fully refund them after they say they were the victim of a scam. What happened The background of this complaint has been set out in detail within our Investigator’s view of 14 November 20... (11 pages)View decision -
Decision Reference DRN-3957563
17 Feb 2023 Gain Credit LLC UpheldConsumer CreditDRN-3957563 The complaint Mr B complains that Gain Credit LLC, trading as Drafty, lent to him and then raised the credit limit when he could not afford it. What happened Briefly, Mr B applied for a credit facility of £100 in April 2018. Drafty approved a credit facility of £200 on 2 May 20... (3 pages)View decision -
Decision Reference DRN-3941530
17 Feb 2023 Canter Holland Ltd UpheldPensions and AnnuitiesDRN-3941530 The complaint Mr W says the advice Canter Holland Ltd (CHL) gave him in March 2016 has or will cause him to incur higher tax liabilities in respect of his pension than should’ve been the case. Mr W is represented by X-Claims Limited (XCL). What happened I start by noting that t... (14 pages)View decision -
Decision Reference DRN-3941565
17 Feb 2023 Canter Holland Ltd UpheldPensions and AnnuitiesDRN-3941565 The complaint Mrs W says the advice Canter Holland Ltd (CHL) gave her in March 2016 has or will cause her to incur higher tax liabilities in respect of her pension than should’ve been the case. Mrs W is represented by X-Claims Limited (XCL). What happened I start by noting that... (13 pages)View decision -
Decision Reference DRN-3968345
17 Feb 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-3968345 Complaint Mr C has complained that Loans 2 Go Limited (“L2G”) provided him with an unaffordable logbook loan. Background L2G provided Mr C with a logbook loan for £600 in March 2018. This loan had an APR of 450.9% and an 18-month term. This all meant the total amount repayable ... (4 pages)View decision -
Decision Reference DRN-3972188
17 Feb 2023 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3972188 The complaint Miss S is unhappy that two of her accounts she held with Creation Consumer Finance Ltd are still showing on her credit file. What happened Miss S opened two accounts with Creation, in 2009 and 2011. Miss S believes they should no longer be showing on her credit fi... (5 pages)View decision -
Decision Reference DRN-3657053
17 Feb 2023 Gain Credit LLC UpheldConsumer CreditDRN-3657053 The complaint Ms W complains that Gain Credit LLC, trading as Drafty, lent to her when she could not afford it. What happened Your text here Briefly, Ms W applied for a credit facility of £2,000 in April 2018. Drafty approved a credit facility of £1,210 on 2 May 2018. The accou... (3 pages)View decision -
Decision Reference DRN-3972156
17 Feb 2023 American Express Services Europe Limited UpheldBanking and PaymentsDRN-3972156 The complaint Mr N complains about the standard of service he received from American Express Services Europe Limited when he used their live chat facility and tried to register a complaint. What happened I issued my provisional decision on this complaint on 18 January 2023, and... (3 pages)View decision
