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 121876 results
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Decision Reference DRN-3682381
7 Feb 2023 Gain Credit LLC UpheldConsumer CreditDRN-3682381 The complaint Mr W says (through a representative) Gain Credit LLC (trading as Drafty) gave him a line of credit which he couldn’t afford to repay. Mr W further says this facility put him into a ‘debt spiral’. What happened Mr W approached Drafty for a running credit facility i... (11 pages)View decision -
Decision Reference DRN-3860470
7 Feb 2023 Shawbrook Bank Limited UpheldConsumer CreditDRN-3860470 The complaint Mr and Mrs P complain that Shawbrook Bank Limited declined their claim under sections 75 and 140A of the Consumer Credit Act 1974 (“the Act”) relating to their purchase of solar panels. Mr and Mrs P are represented in this case by a claims management company (“the... (8 pages)View decision -
Decision Reference DRN-3221731
7 Feb 2023 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-3221731 The complaint Mr T has complained about the way Mitsubishi HC Capital UK Plc (“Mitsubishi”) has dealt with a claim he made under section 75 (s.75) of the Consumer Credit Act 1974 (“s.75”). What happened In April 2014 Mr T entered into a contract to purchase a solar panel system... (4 pages)View decision -
Decision Reference DRN-3950277
7 Feb 2023 MotoNovo Finance Limited UpheldConsumer CreditDRN-3950277 The complaint Mr M complains about the quality of a car he acquired under a hire purchase agreement with MotoNovo Finance Limited (MotoNovo). What happened In November 2021, Mr M entered into a hire purchase agreement with MotoNovo to acquire a used car first registered in Febr... (6 pages)View decision -
Decision Reference DRN-3870977
7 Feb 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-3870977 The complaint Mr T complains about the way Loans 2 Go Limited (‘L2G’) administered his account with it. What happened L2G approved Mr T for a £250 loan in April 2021. The term of the loan was 18 months and the repayments were approximately £57 per month. Mr T complained that he... (5 pages)View decision -
Decision Reference DRN-3716753
7 Feb 2023 LEBC Group Limited UpheldInvestmentsDRN-3716753 The complaint The estate of Mr E (“the estate”) complains that LEBC Group Limited (“LEBC”) asked Mr E to complete the wrong paperwork in relation to an investment, resulting in him being left without life cover. What happened The late Mr E took investment advice from LEBC in ea... (5 pages)View decision -
Decision Reference DRN-3683335
7 Feb 2023 D C Financial Limited UpheldPensions and AnnuitiesDRN-3683335 The complaint Mr C complains about the advice given by D C Financial Limited (‘DCFL’) to transfer the benefits he held in the British Steel Pension Scheme (‘BSPS’) and another small pension to a self-invested personal pension (‘SIPP’). The BSPS was a defined benefit (‘DB’) occu... (14 pages)View decision -
Decision Reference DRN-3523213
7 Feb 2023 D C Financial Limited UpheldPensions and AnnuitiesDRN-3523213 The complaint Mr M complains about the advice given by D C Financial Limited (DCF) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a personal pension. He says the advice was unsuitable for him and believes this has caused a financial loss... (13 pages)View decision -
Decision Reference DRN-3878445
7 Feb 2023 Santander UK Plc UpheldBanking and PaymentsDRN-3878445 The complaint A company, which I’ll refer to as “S”, complains that Santander UK PLC unfairly terminated its Bounce Back Loan and closed its bank account. Mr G is S’s director and brings the complaint on the company’s behalf. What happened S was incorporated in November 2016. I... (5 pages)View decision -
Decision Reference DRN-3949922
7 Feb 2023 Santander UK Plc UpheldBanking and PaymentsDRN-3949922 The complaint Miss A complains, in her capacity as trustee of a trust (T), about the way Santander UK Plc (trading as Cater Allen Private Bank) handled her request to open a new account for the trust. What happened Miss A told us: When she initially enquired about opening a tr... (3 pages)View decision
