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 119142 results
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Decision Reference DRN-3701636
5 Oct 2022 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3701636 The complaint Mr G complains that Creation Consumer Finance Ltd let to him when it shouldn’t have. What happened Creation lent a loan to Mr G in August 2019. The loan was for £5,000 with 36 monthly instalments of £183.60. When Mr G complained to Creation, it didn’t uphold his c... (2 pages)View decision -
Decision Reference DRN-3187695
5 Oct 2022 Sentor Solutions Commercial Ltd UpheldInvestmentsDRN-3187695 The complaint Mr R complains that Sentor Solutions Commercial Ltd (SSC) gave him unsuitable advice to invest in a convertible loan note. He now believes it was a scam and he has lost the capital he invested. What happened Mr R said he received advice and accepted a recommendati... (5 pages)View decision -
Decision Reference DRN-3663495
5 Oct 2022 Clydesdale Bank Plc UpheldMortgagesDRN-3663495 The complaint Mr W’s complaint is that Clydesdale Bank Plc trading as Yorkshire Bank (and referred to here as YB) declined his request to port (transfer) his mortgage interest rate product onto a new mortgage on a different property. To settle the complaint, Mr W wants YB to re... (3 pages)View decision -
Decision Reference DRN-3702926
5 Oct 2022 Johnston Financial Limited UpheldInsuranceDRN-3702926 The complaint A company, which I’ll refer to as P, complains that Johnston Financial Limited (“Johnston”), a broker, has provided inaccurate information to its insurer related to a claim made under its group income protection (“GIP”) policy. Mr R, who is a director of P, brings... (5 pages)View decision -
Decision Reference DRN-3631273
5 Oct 2022 Chase de Vere Independent Financial Advisers limited UpheldPensions and AnnuitiesDRN-3631273 The complaint Mr M complains about the advice given by Chase de Vere Independent Financial Advisers Limited (Chase) to transfer the benefits from his defined-benefit (DB) occupational pension scheme to a self-invested personal pension (SIPP). He says that pension is not perform... (8 pages)View decision -
Decision Reference DRN-3717618
5 Oct 2022 OMNIO EMI LIMITED UpheldBanking and PaymentsDRN-3717618 The complaint Mr F complains that Omnio EMI Limited (Omnio) took too long when transferring him the balance from his pre-paid credit card. What happened Mr F had a pre-paid credit card provided by Omnio. Omnio let him know that they were withdrawing this product from the market... (2 pages)View decision -
Decision Reference DRN-3719750
5 Oct 2022 Morses Club PLC UpheldConsumer CreditDRN-3719750 The complaint Mrs N, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Mrs N was advanced six home collected loans between November 2013 and March 2019. I’ve included s... (5 pages)View decision -
Decision Reference DRN-3735964
5 Oct 2022 Amtrust Europe Limited UpheldInsuranceDRN-3735964 The complaint Mr and Mrs Y have complained about the settlement Amtrust Europe Limited has offered for a claim they made under their Furniture Protection Plan extended warranty. What happened Amtrust accepted a claim for damage to an item of Mr and Mrs Y’s furniture. Amtrust de... (3 pages)View decision -
Decision Reference DRN-3720068
5 Oct 2022 Morses Club PLC UpheldConsumer CreditDRN-3720068 The complaint Mr H, through a representative complains that Morses Club PLC (Morses) didn’t carry out proper affordability checks before it lent to him. What happened Mr H was advanced two home collected loans between April and July 2021. I’ve included some of the information w... (4 pages)View decision -
Decision Reference DRN-3734833
4 Oct 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3734833 The complaint Mr D complains about Lloyds Bank PLC (“Lloyds”) for difficulties he faced when trying to update his contact details. He wants to be compensated for his inconvenience and his costs in sending repeated information. What happened Mr D opened his Lloyds account whilst... (3 pages)View decision
