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 120327 results
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Decision Reference DRN-3833077
30 Nov 2022 The New India Assurance Company Limited UpheldInsuranceDRN-3833077 The complaint Mr P complains, on behalf of his business ‘A’, that The New India Assurance Company Limited unfairly declined a claim under his business protection insurance policy. What happened The background to this complaint is well known to both parties, so I’ll only summari... (3 pages)View decision -
Decision Reference DRN-3808918
30 Nov 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3808918 The complaint Mr F complains that Evergreen Finance London Limited (trading as MoneyBoat.co.uk) (MoneyBoat) gave him loans he couldn’t afford to repay. What happened Mr F took four loans from MoneyBoat between November 2018 and May 2020. I’ve outlined a summary of his borrowin... (5 pages)View decision -
Decision Reference DRN-3827996
30 Nov 2022 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-3827996 Complaint Mr S complains that BMW Financial Services(GB) Limited (trading as “Alphera” Financial Services) unfairly charged him too much interest when he repaid his finance agreement immediately after it was provided. He says that he was told if, for any reason, he didn’t wish ... (6 pages)View decision -
Decision Reference DRN-3801763
30 Nov 2022 Zopa Limited UpheldConsumer CreditDRN-3801763 Complaint Mr J has complained that Zopa Limited (“Zopa”) unfairly brought about an unaffordable loan for him. Background Zopa operated the electronic system in relation to lending which led to Mr J being provided with a loan in February 2017. The loan was for £12,000.00 and had... (5 pages)View decision -
Decision Reference DRN-3804500
30 Nov 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3804500 Complaint Mrs E has complained about a loan Everyday Lending Limited (trading as “Everyday Loans”) provided to her. She says the loan was unaffordable. Background Everyday Loans provided Mrs E with a loan for £2,000.00 in September 2007. This loan had an APR of 59.8% and a term... (2 pages)View decision -
Decision Reference DRN-3827527
30 Nov 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3827527 Complaint Miss W has complained that Loans 2 Go Limited (“L2G”) provided her with an unaffordable loan. Background L2G provided Miss W with a loan for £250 in April 2021. This loan had an APR of 1,013.2% and an 18-month term. This all meant the total amount repayable of £1,028.... (4 pages)View decision -
Decision Reference DRN-3826053
29 Nov 2022 Casualty & General Insurance Company (Europe) Ltd UpheldInsuranceDRN-3826053 The complaint Mr S complains that Casualty & General Insurance Company (Europe) Ltd (CGICE) declined his pet insurance claim. My references to CGICE include its agents. What happened On 1 July 2021 Mr S’ pet insurance for his dog started, insured by CGICE. He’d taken out th... (4 pages)View decision -
Decision Reference DRN-3792774
29 Nov 2022 West Bay Insurance Plc UpheldInsuranceDRN-3792774 The complaint Miss M complains about the way West Bay Insurance Plc trading as Zenith Insurance handled a claim on her motor insurance policy. What happened Miss M’s car was damaged when another vehicle reversed into it while it was parked. Having initially contacted her broker... (2 pages)View decision -
Decision Reference DRN-3818547
29 Nov 2022 Toyota Financial Services (UK) Plc UpheldConsumer CreditDRN-3818547 The complaint Miss W is unhappy with a car she acquired using a hire purchase agreement with Toyota Financial Services (UK) PLC (‘TFS’). What happened Miss W has given a detailed history of what happened and the contact between herself, TFS and the dealer involved. I want to re... (5 pages)View decision -
Decision Reference DRN-3832031
29 Nov 2022 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-3832031 The complaint Mr L complains about the quality of a car that was supplied to him under a hire purchase agreement with BMW Financial Services (GB) Limited trading as Alphera Financial Services (“Alphera”). What happened In January 2021 Mr L took out a hire purchase agreement wit... (6 pages)View decision
