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 120436 results
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Decision Reference DRN-3849488
12 Dec 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3849488 The complaint Mr B says Everyday Lending Limited (ELL), trading as Everyday Loans, irresponsibly lent to him. What happened Mr B took out a 24-month instalment loan for £2,000 on 21 February 2018. The monthly repayment was £246.12 and the total repayable was £5,906.88 Mr B says... (3 pages)View decision -
Decision Reference DRN-3830386
12 Dec 2022 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3830386 The complaint Mr G complains that Tesco Personal Finance PLC trading as Tesco Bank irresponsibly provided two credit card accounts which he couldn’t afford the repayments on. What happened Mr G was provided with the following credit cards by Tesco : Card 1 issued 23/09/2016 cre... (3 pages)View decision -
Decision Reference DRN-3847516
12 Dec 2022 Union Reiseversicherung AG UpheldInsuranceDRN-3847516 The complaint Mr K has complained that Union Reiseversicherung AG (‘URV’) hasn’t fully settled a claim under his policy. What happened Mr K bought a travel insurance policy to cover his trip to the USA from 12 July 2019 to 11 November 2019. Whilst abroad, Mr K needed to have tr... (5 pages)View decision -
Decision Reference DRN-3829378
12 Dec 2022 Nationwide Building Society UpheldConsumer CreditDRN-3829378 The complaint Mr P complains that Nationwide Building Society lent irresponsibly when providing him with three loans. This complaint doesn’t include other lending decisions made by Nationwide, at least one of which I gather Mr P’s complained about to us separately. What happene... (5 pages)View decision -
Decision Reference DRN-3853528
12 Dec 2022 National Savings and Investments UpheldPensions and AnnuitiesDRN-3853528 The complaint Mr J says National Savings and Investments (NS&I) was responsible for a delay in following his instructions about his maturing Guaranteed Income Bond (GIB). He says this caused him a loss of investment return. What happened The chronology of events is broadly ... (4 pages)View decision -
Decision Reference DRN-3728630
12 Dec 2022 Wealthmasters Financial Management Ltd UpheldPensions and AnnuitiesDRN-3728630 The complaint Mr W says Wealthmasters gave him unsuitable advice in 2015 to invest in two high risk investments through his Self-invested Personal Pension (SIPP), namely Dolphin Trust (Dolphin) and Greyfriars Portfolio Six (P6). He also complains about a recommendation in 2017 ... (10 pages)View decision -
Decision Reference DRN-3849576
12 Dec 2022 Helvetia Global Solutions Ltd UpheldInsuranceDRN-3849576 The complaint Mrs L has complained about how Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein AG (Helvetia) dealt with a claim under a home emergency policy. Mrs L is represented by Mr W on this complaint but, for ease, I will only refer to Mrs L. What happene... (2 pages)View decision -
Decision Reference DRN-3841884
12 Dec 2022 Aviva Life & Pensions UK Limited UpheldPensions and AnnuitiesDRN-3841884 The complaint Mr d complains that Aviva Life & Pensions UK Limited wouldn’t allow him to transfer his pension plan, and that it invested it in a with profits fund without his authority. What happened Mr d had a Section 32 personal pension plan with Aviva that included a gua... (3 pages)View decision -
Decision Reference DRN-3821242
12 Dec 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3821242 The complaint Miss B complains that Bank of Scotland plc trading as Halifax put a deceased marker on her account by mistake, and cancelled her direct debits. The marker has been removed, but she said it was upsetting, and reinstating all her direct debits had put her to a lot o... (2 pages)View decision -
Decision Reference DRN-3683847
12 Dec 2022 Match the Cash Limited UpheldConsumer CreditDRN-3683847 The complaint Mr P complains Match the Cash Limited trading as Guarantomyloan.tv (‘Match the Cash’) irresponsibly lent to him. What happened Mr P was approved for a guarantor loan with Match the Cash in June 2019. The capital amount of the loan was £5,000. The term of the loan ... (3 pages)View decision
