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 121668 results
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Decision Reference DRN-3879474
11 Jan 2023 Everyday Lending Limited UpheldConsumer CreditDRN-3879474 Complaint Mr D has complained about a personal loan Everyday Lending Limited (trading as “Everyday Loans”) provided to him. He says the loan was unaffordable and was therefore irresponsibly lent to him. Background Everyday Loans provided Mr D with a loan for £1,500.00 in August... (3 pages)View decision -
Decision Reference DRN-3886351
10 Jan 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3886351 The complaint A limited company, which I’ll refer to as ‘P’, complains that National Westminster Bank Plc (“NatWest”) told it to apply for a Bounce Back Loan (“BBL”) having been informed by P that it was no longer trading. P’s complaint is brought to this service by one of its ... (6 pages)View decision -
Decision Reference DRN-3879552
10 Jan 2023 ATLANTA 1 INSURANCE SERVICES LIMITED UpheldInsuranceDRN-3879552 The complaint Mr D complains that Atlanta 1 Insurance Services Limited (trading as Swinton Van) is responsible for mishandling a claim on a commercial vehicle insurance policy. Where I refer to Atlanta, I refer to the above-named company and I include employees and others insof... (3 pages)View decision -
Decision Reference DRN-3859516
10 Jan 2023 HSBC UK Bank Plc UpheldInsuranceDRN-3859516 The complaint Mr and Mrs J have complained about the amount of compensation HSBC UK Bank Plc paid them for the mis-sale of a payment protection insurance (PPI) policy. What happened Mr and Mrs J complained to HSBC about the sale of PPI on their mortgage. HSBC agreed it had been... (3 pages)View decision -
Decision Reference DRN-3854258
10 Jan 2023 Gallium Fund Solutions Limited UpheldInvestmentsDRN-3854258 The complaint Mrs K complains she was mis-sold an investment bond by Basset Gold Limited (“BG Ltd”), an appointed representative of Gallium Fund Solutions Limited (“Gallium”). She says the bond carried higher risk that what she was told and the information relating to it was mi... (26 pages)View decision -
Decision Reference DRN-3830983
10 Jan 2023 Zurich Assurance Ltd UpheldInvestmentsDRN-3830983 The complaint Mrs G, on behalf of the estate of Mr M complains Zurich Assurance Ltd (Zurich) deprived the estate of the funds from an interest that matured in 2003. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Th... (2 pages)View decision -
Decision Reference DRN-3863722
10 Jan 2023 Praetorian Legal Limited UpheldClaims ManagementDRN-3863722 The complaint Mr H and Mrs S have complained that Praetorian Legal Limited invoiced them for a success fee based on the amount a lender had written off, as opposed to what they’d recovered. What happened Mr H and Mrs S bought a timeshare funded by loans from a lender I’ll call ... (3 pages)View decision -
Decision Reference DRN-3881743
10 Jan 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3881743 The complaint Miss S, represented by her daughter Ms S, complained about Lloyds Bank plc. She complained because Lloyds didn’t refund unauthorised direct debits, and provided her with poor customer service when she was trying to get this resolved. What h... (6 pages)View decision -
Decision Reference DRN-3802960
10 Jan 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3802960 The complaint Mr S complains that Tesco Personal Finance PLC trading as Tesco Bank sent a security code to his ex-wife not him. What happened Mr S says Tesco Bank sent a new security code to his ex-wife’s mobile telephone that ought to have been sent to him. He says he was conc... (2 pages)View decision -
Decision Reference DRN-3830390
10 Jan 2023 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-3830390 The complaint Mr H complains about the way Clydesdale Bank Plc trading as Virgin Money (‘Virgin Money’) handled a claim he made about a purchase on his credit card. What happened Mr H purchased a package holiday for him and one other (who I will refer to as Mrs H) priced at £5,... (5 pages)View decision
