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-4090962
13 Jun 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4090962 The complaint Miss V says Everyday Lending Limited (ELL), trading as Everyday Loans, irresponsibly lent to her. What happened Miss V took out three instalment loans from ELL. A summary of her borrowing follows: Loan taken out value, £ term in months monthly repayment, £ total r... (4 pages)View decision -
Decision Reference DRN-3985087
13 Jun 2023 Barclays Bank Plc UpheldInvestmentsDRN-3985087 The complaint Mr T complains that Barclays Bank Plc delayed the transfer of his ISA to a new provider. He wants compensation for the fall in value of his ISA investments and for the distress and inconvenience he’s been caused. What happened Mr T had a stocks and shares ISA with... (3 pages)View decision -
Decision Reference DRN-4184999
13 Jun 2023 Howard Wright Ltd UpheldPensions and AnnuitiesDRN-4184999 The complaint Mrs L complains that Howard Wright Ltd (HW) caused her late husband Mr L’s annuity to be set up incorrectly. What happened In 2018 Mr L and Mrs L jointly received retirement planning advice from HW. One part of the resulting recommendation from HW was that Mr L tr... (9 pages)View decision -
Decision Reference DRN-3579632
13 Jun 2023 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3579632 The complaint Mr S complains that a car supplied to him by Creation Consumer Finance Ltd (“Creation”) didn’t have all the advertised features. What happened Mr S acquired a used car under a hire purchase agreement with Creation for around £19,000 in June 2021. Mr S made a depos... (4 pages)View decision -
Decision Reference DRN-3960193
13 Jun 2023 V12 Retail Finance Limited UpheldConsumer CreditDRN-3960193 The complaint Mr P complains that the boiler system financed by a fixed sum loan agreement provided by V12 Retail Finance Limited hasn’t been correctly installed and is too technical for his needs. He says he was pressured into the agreement. This complaint has been raised by M... (5 pages)View decision -
Decision Reference DRN-4085745
13 Jun 2023 Madison CF UK Limited UpheldConsumer CreditDRN-4085745 The complaint Mrs S complains that Madison CF UK Limited, trading as 118 118 Money (“Madison”) lent to her irresponsibly. What happened Mrs S took out a loan with Madison in August 2021. She borrowed £2,500 over 36 months, repaying £124.11 a month. The total cost of the loan in... (3 pages)View decision -
Decision Reference DRN-4187020
13 Jun 2023 Aviva Life & Pensions UK Limited UpheldPensions and AnnuitiesDRN-4187020 The complaint Mrs R complains that Aviva Life & Pensions UK Limited (Aviva) mis-sold a Free Standing Additional Voluntary Contribution (FSAVC) plan to top up her pension benefits but didn’t make her aware of the in-house alternatives and she suffered losses as a consequence... (6 pages)View decision -
Decision Reference DRN-4164094
13 Jun 2023 Liverpool Victoria Insurance Company Limited UpheldInsuranceDRN-4164094 The complaint Mr H and Miss H complained about Liverpool Victoria Insurance Company Limited (LV). They are not happy about the way it dealt with a claim under their home insurance policy. For ease of reading any reference to LV includes its agents. What happened Mr H and Miss H... (2 pages)View decision -
Decision Reference DRN-4186801
13 Jun 2023 PREPAID FINANCIAL SERVICES LIMITED UpheldBanking and PaymentsDRN-4186801 The complaint Mr L is unhappy that PREPAID FINANCIAL SERVICES LIMITED (“PFSL”) charged him fees on a declined payment. What happened Mr L attempted to use his PFSL account to pay £1,800 to his mortgage lender. The transaction didn’t go through, but Mr L later noticed that the f... (3 pages)View decision -
Decision Reference DRN-4080586
13 Jun 2023 Barclays Bank UK PLC UpheldInvestmentsDRN-4080586 The complaint Mr J complains, jointly in his name and as representative of the estate of his wife, Mrs J, about the suitability of investment advice received from Barclays Bank UK PLC. Mr J and the estate are represented by a claims management company (“CMC”). What happened In ... (4 pages)View decision
