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 122183 results
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Decision Reference DRN-3947490
22 Feb 2023 Everyday Lending Limited UpheldConsumer CreditDRN-3947490 Complaint Mr E has complained about personal loans Everyday Lending Limited (trading as “Everyday Loans”) provided to him. He says the loans were unaffordable and were therefore irresponsibly lent to him. Background Everyday Loans initially provided Mr E with a first loan for £... (3 pages)View decision -
Decision Reference DRN-3975023
22 Feb 2023 St James's Place UK plc UpheldInvestmentsDRN-3975023 The complaint Mr B complains about various matters affecting instructions to St James’s Place UK plc (“SJPUK”) about an investment bond held in trust. What happened In mid-2019, Mr B and two family members – for anonymity I’ll call them T2 and T3 – were trustees of a loan trust... (5 pages)View decision -
Decision Reference DRN-3591680
22 Feb 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3591680 The complaint A church, which I’ll refer to as C, complains about the handling by Barclays Bank UK PLC of its request to open a new bank account. Mr S and Mr P, two of the authorised representatives of C, bring the complaint on C's behalf. What happened The circumstances o... (4 pages)View decision -
Decision Reference DRN-3965194
22 Feb 2023 Zopa Bank Limited UpheldConsumer CreditDRN-3965194 Complaint Mr S has complained that Zopa Bank Limited (“Zopa”) unfairly provided him with unaffordable loans. Background Zopa provided Mr S with a first loan in July 2020. The loan was for £2,000.00 and was initially due to be repaid in 12 months. Mr S settled this loan early be... (8 pages)View decision -
Decision Reference DRN-3961693
22 Feb 2023 J D Williams & Company Limited UpheldConsumer CreditDRN-3961693 The complaint Miss B complains about the handling of a credit limit provided to her by J D Williams & Company Limited trading as Fashion World. What happened Miss B applied for credit and was given a £150 credit limit with Fashion World. She ordered goods for next day deliv... (3 pages)View decision -
Decision Reference DRN-3946570
21 Feb 2023 Allianz Insurance Plc UpheldInsuranceDRN-3946570 The complaint Mr S complains that Allianz Insurance Plc (“Allianz”) provided poor service when dealing with a subsidence claim he made under his policy. Any reference to Allianz in this decision includes its appointed agents. What happened In 2017 Mr S made a claim for subsiden... (4 pages)View decision -
Decision Reference DRN-3975085
21 Feb 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-3975085 Complaint Mr S has complained about a loan Loans 2 Go Limited (“L2G”) provided to him. He says the loan was unaffordable. Background L2G provided Mr S with a loan for £400 in June 2019. The loan had an APR of 1,013.1% and a 18-month term. This meant that the total amount to be ... (3 pages)View decision -
Decision Reference DRN-3979996
21 Feb 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3979996 The complaint Mr B complains that Lloyds Bank PLC have closed his account without good reason. What happened I issued my provisional decision on this complaint on 20 January 2023, and this is what I said: I’ve considered the relevant information about this complaint. Based on w... (3 pages)View decision -
Decision Reference DRN-3967309
21 Feb 2023 Warde Graham Consulting Ltd UpheldPensions and AnnuitiesDRN-3967309 The complaint In summary, Mrs S complains about the advice provided to her by Warde Graham Consulting Limited (WG). She believes the advice to take her late husband’s pension as a lump sum was unsuitable. She thinks the advice has resulted in her losing the favourable tax stat... (10 pages)View decision -
Decision Reference DRN-3799206
21 Feb 2023 Specialist Motor Finance Limited UpheldConsumer CreditDRN-3799206 The complaint Miss T complains about the quality of a used car that was supplied through a hire purchase agreement with Specialist Motor Finance Limited (SMF). What happened The circumstances surrounding this complaint and my initial findings were set out in my provisional deci... (5 pages)View decision
