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 121115 results
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Decision Reference DRN-3446554
11 Nov 2022 Match the Cash Limited UpheldConsumer CreditDRN-3446554 The complaint Mr G complains Match the Cash Limited lent to him irresponsibly. What happened In January 2019 Mr G applied for, and was given a loan for £3,500, which was repayable over a period of 36 months. The repayments were around £170 a month, and in total Mr G agreed to p... (5 pages)View decision -
Decision Reference DRN-3456980
11 Nov 2022 Financial Administration Services Limited UpheldInvestmentsDRN-3456980 The complaint Mr H is complaining about the delays he experienced in the transfer of his cash ISA from another provider to his stocks and shares ISA with Financial Administration Services Limited (‘Fidelity’). What happened Mr H held a cash ISA with another product provider – w... (4 pages)View decision -
Decision Reference DRN-3799295
11 Nov 2022 Utmost Life and Pensions Limited UpheldPensions and AnnuitiesDRN-3799295 The complaint Mr W’s representative has complained, on his behalf, that he was unsuitably advised by Utmost Life and Pensions Limited to establish a Free Standing Additional Voluntary Contributions (FSAVC) policy instead of contributing to an “in house” arrangement associated w... (5 pages)View decision -
Decision Reference DRN-3753021
11 Nov 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3753021 The complaint Mr S, through his representative, complains that Madison CF UK Limited, trading as 118 118 Money, lent to him irresponsibly. What happened Madison approved one loan for Mr S on 10 July 2020 for £1,000 plus interest repayable over 24 months at £78.11 each month. He... (3 pages)View decision -
Decision Reference DRN-3565878
11 Nov 2022 Monzo Bank Ltd UpheldBanking and PaymentsDRN-3565878 The complaint Company M complains that Monzo Bank Ltd didn’t do enough to prevent them losing out financially as a result of an authorised push payment (‘APP’) fraud. What happened The background to the complaint is well known to both parties and so I won’t repeat it at length ... (4 pages)View decision -
Decision Reference DRN-3762458
11 Nov 2022 I Go 4 Ltd. UpheldInsuranceDRN-3762458 The complaint Mr S complains about how i Go 4 Ltd trading as Wisedriving (“Wisedriving”) administered his motor insurance policy. What happened Mr S took out a motor insurance policy through a broker, Wisedriving, on 1 February 2022. As part of his online application through an... (3 pages)View decision -
Decision Reference DRN-3487003
11 Nov 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3487003 The complaint Miss G complains through her representative that AvantCredit of UK, LLC irresponsibly provided her with a high cost loan that she couldn’t afford to repay. What happened AvantCredit provided Miss G with a loan for £1,000 on 6 October 2015 repayable over 36 months ... (3 pages)View decision -
Decision Reference DRN-3517126
11 Nov 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3517126 The complaint Miss P complains that HSBC UK Bank Plc won’t refund money she lost after she fell victim to a scam. What happened The background to this complaint is well known to both parties and has been well detailed in our investigator’s view, so I won’t repeat it in detail. ... (4 pages)View decision -
Decision Reference DRN-3799280
11 Nov 2022 Sesame Limited UpheldPensions and AnnuitiesDRN-3799280 The complaint Ms B’s representative has complained, on her behalf, that an appointed representative of Sesame Limited gave her unsuitable advice to establish a stakeholder pension plan instead of enhancing her occupation pension scheme (OPS) defined benefits by buying added yea... (7 pages)View decision -
Decision Reference DRN-3541654
11 Nov 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3541654 The complaint A charity, which I’ll refer to as B, complains that Barclays Bank UK Plc failed to credit 20 cheques worth a total of £6,226 to B’s account. Mrs R, who is a trustee of B, brings the complaint on its behalf. What happened Mrs R told us: Most of B’s funds come from... (3 pages)View decision
