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-3666213
4 Oct 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3666213 The complaint Mr S says that Loans 2 Go Limited irresponsibly lent to him. What happened Mr S’s complaint is about a loan provided by Loans 2 Go. The loan was for £1850 over 18 months and was advanced in September 2021. Mr S complains that Loans 2 Go lent irresponsibly to him. ... (2 pages)View decision -
Decision Reference DRN-3397392
4 Oct 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3397392 The complaint Mr L complains that Bank of Scotland plc trading as Halifax irresponsibly approved a credit card account application which was unaffordable. What happened Mr L says he opened the Halifax credit card account in August 2017 and says he was in financial difficulties ... (2 pages)View decision -
Decision Reference DRN-3666407
4 Oct 2022 Quilter Financial Limited UpheldPensions and AnnuitiesDRN-3666407 The complaint Mr H has complained that Quilter Financial Limited gave him unsuitable advice to transfer his existing pension policies to new arrangement on two separate occasions – in 2003 and 2010. Mr H has said that he’s suffered financial disadvantage as a result. What happe... (9 pages)View decision -
Decision Reference DRN-3623283
4 Oct 2022 Arrow Global Limited UpheldConsumer CreditDRN-3623283 The complaint Mr F complains that Arrow Global Limited unfairly declined his request to write off an outstanding debt due to his health. What happened In 2019 Arrow acquired a debt in Mr F’s name from a credit card provider I’ll call V. Mr F had been making payments of £1 a mon... (3 pages)View decision -
Decision Reference DRN-3735207
4 Oct 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3735207 The complaint Mr S complains that HSBC UK Bank Plc rejected his claim under s 74 Consumer Credit Act 1974 in respect of a faulty car. What happened Mr S has submitted a detailed timeline of events which is not disputed, but for the purposes of this decision I will give a brief ... (4 pages)View decision -
Decision Reference DRN-3713908
4 Oct 2022 Covea Insurance plc UpheldInsuranceDRN-3713908 The complaint Mrs W complains that Covea Insurance plc declined her pet insurance pre-authorisation claim. My references to Covea include its agents. What happened On 1 February 2019 Mrs W started a pet insurance policy for her dog which she renewed annually. Covea was the insu... (3 pages)View decision -
Decision Reference DRN-3571231
4 Oct 2022 Portal Financial Services LLP UpheldPensions and AnnuitiesDRN-3571231 The complaint Mr R complains about the suitability of the advice he received from Portal Financial Services LLP (Portal) to transfer a defined-benefit occupational pension scheme (OPS) he held with a former employer to a Self-Invested Personal Pension (SIPP). What happened Mr R... (6 pages)View decision -
Decision Reference DRN-3701958
4 Oct 2022 D2 Financial Solutions (UK) Ltd UpheldPensions and AnnuitiesDRN-3701958 The complaint Mr S complains about advice he was given to transfer the benefits of a defined-benefit (DB) occupational pension scheme (OPS) to a personal pension plan. He says the advice was unsuitable for him and believes this has caused him a financial loss. D2 Financial Solu... (12 pages)View decision -
Decision Reference DRN-3732948
4 Oct 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3732948 The complaint Mr M is unhappy that Bank of Scotland plc (“BOS”) reported a default to his credit file incorrectly, which meant that a mortgage application he made was rejected. What happened Mr M applied for a mortgage in November 2021. The application was rejected because of a... (3 pages)View decision -
Decision Reference DRN-3734610
4 Oct 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3734610 The complaint Mr P complains that Lloyds Bank PLC (“Lloyds”) unnecessarily converted funds into a foreign currency, causing him loss. What happened In 2021, Mr P bought an item through a private sale and paid the seller by bank transfer. The seller was based outside the UK, but... (3 pages)View decision
