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-3781679
29 Nov 2022 Hyundai Capital UK Limited UpheldConsumer CreditDRN-3781679 The complaint Mr M complains about the amount that he’s been charged by Hyundai Capital UK Limited, trading as Hyundai Finance Contract Hire, for a missed service and damage to a car that he returned when his hire agreement ended. What happened I issues a provisional decision o... (4 pages)View decision -
Decision Reference DRN-3725265
29 Nov 2022 AWP P&C SA UpheldInsuranceDRN-3725265 The complaint Mr and Mrs P complain that AWP P&C SA hasn’t fully settled a claim they made on their travel insurance policy. What happened Mr and Mrs P hold travel insurance as a benefit of their packaged bank account. Mr and Mrs P booked a family holiday to celebrate an im... (3 pages)View decision -
Decision Reference DRN-3809022
29 Nov 2022 Experian Limited UpheldConsumer CreditDRN-3809022 The complaint Mr S complains that incorrect information recorded on his credit file by Experian led to a mortgage application being declined. What happened In 2020 a business that provides current accounts (L) recorded a default on Mr S’ credit file. L also recorded a default i... (3 pages)View decision -
Decision Reference DRN-3831410
29 Nov 2022 N.I.I.B. Group Limited UpheldConsumer CreditDRN-3831410 The complaint Mr H is unhappy with a car supplied under a hire purchase agreement provided by N.I.I.B. Group Limited trading as Northridge Finance (‘Northridge’). What happened In October 2019 Mr H acquired a used car funded by a hire purchase agreement with Northridge. The c... (6 pages)View decision -
Decision Reference DRN-3827048
29 Nov 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3827048 The complaint Mr M says Everyday Lending Limited (ELL), trading as Everyday Loans, irresponsibly lent to him. What happened This complaint is about a 36-month instalment loan for £3,000 that ELL provided to Mr M on 21 May 2021. The monthly repayments were £207.74 and the total ... (3 pages)View decision -
Decision Reference DRN-3734811
29 Nov 2022 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-3734811 The complaint Mr M complains about Royal and Sun Alliance Insurance Limited (RSA) who declined part of his claim, on his home insurance policy. What happened Mr M returned home to discover that he had been burgled. The thieves had taken several items from his property. He repor... (3 pages)View decision -
Decision Reference DRN-3715716
29 Nov 2022 Target Servicing Limited UpheldMortgagesDRN-3715716 The complaint Mr H and Miss P complain that Target Servicing Limited (“Target”) wouldn’t allow them to redeem their help to buy shared equity loan, which caused them delays. What happened Mr H and Miss P bought a flat in August 2016 with the assistance of the help to buy scheme... (7 pages)View decision -
Decision Reference DRN-3721411
29 Nov 2022 Advanced Payment Solutions Limited UpheldBanking and PaymentsDRN-3721411 The complaint Mr T complains that Advanced Payment Solutions Limited trading as Cashplus (‘Cashplus’) failed to refund money he lost as a result of a scam. What happened What Mr T says Mr T was researching cryptocurrency investment on the internet following a recommendation fro... (5 pages)View decision -
Decision Reference DRN-3618058
29 Nov 2022 Jigsaw Insurance Services Plc UpheldInsuranceDRN-3618058 The complaint Mr T complains about how Jigsaw Insurance Services Plc (Jigsaw) cancelled his car insurance policy. What happened Mr T had a motor insurance policy covering his car which was arranged through Jigsaw, which is an insurance broker. The policy was an annual insurance... (3 pages)View decision -
Decision Reference DRN-3601975
29 Nov 2022 Creation Financial Services Limited UpheldConsumer CreditDRN-3601975 The complaint Mr C complains Creation Financial Services Limited trading as Creation failed to contact him before they closed his credit card account. What happened The details of this complaint are well-known to both parties, so I won’t repeat them again here. The facts aren’t... (2 pages)View decision
