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-3765735
7 Nov 2022 Advantage Insurance Company Limited UpheldInsuranceDRN-3765735 The complaint Mr H complains about how Advantage Insurance Company Limited handled a claim made on his motor insurance policy. He wants compensation for his trouble and upset and his expenses. What happened Mr H was involved in an accident on 14 February 2022 and he made a cla... (3 pages)View decision -
Decision Reference DRN-3792537
7 Nov 2022 AXA Insurance UK Plc UpheldInsuranceDRN-3792537 The complaint Mr B complained that AXA Insurance UK Plc (“AXA”) unfairly declined his claim under his home insurance policy. What happened Mr B made a claim under his policy when he noticed water staining in his downstairs ceiling and hallway. AXA’s contractor attended the prop... (4 pages)View decision -
Decision Reference DRN-3658181
7 Nov 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3658181 The complaint Mr J complains that Lloyds Bank PLC have declined his credit card application and discriminated against him because of his age. What happened Mr J says he applied for a Lloyds cashback Mastercard credit card on 2 December 2021, but his application was declined. Mr... (4 pages)View decision -
Decision Reference DRN-3768195
7 Nov 2022 Equifax Limited UpheldConsumer CreditDRN-3768195 The complaint Mrs M complains about delays and poor service by Equifax Limited after she raised concerns about an entry on her credit file. What happened In January 2022 Mrs M contacted Equifax as she’d found a communications provider had noted her as deceased on her credit fil... (2 pages)View decision -
Decision Reference DRN-3792359
7 Nov 2022 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3792359 The complaint Mr L, who is represented by a third party, complains that Moneybarn No. 1 Limited (“Moneybarn”) irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In January 2018, Mr L acquired a used car financed by a conditional sa... (2 pages)View decision -
Decision Reference DRN-3296939
7 Nov 2022 Medical Money Management UpheldPensions and AnnuitiesDRN-3296939 The complaint Mr A is represented. His representative says Medical Money Management (‘MMM’) gave him unsuitable advice to undertake a Free Standing Additional Voluntary Contributions (‘FSAVC’) plan in 1994. They say this was unsuitable advice mainly because: It mismatched his ... (4 pages)View decision -
Decision Reference DRN-3747102
7 Nov 2022 Covea Insurance plc UpheldInsuranceDRN-3747102 The complaint Ms J complained that Covea Insurance plc (“Covea”) provided a poor service and unfairly declined her claim under her home insurance policy. What happened Ms J made a claim to Covea when she noticed bricks had fallen from the apex section of her house. Ms J first t... (3 pages)View decision -
Decision Reference DRN-3783126
7 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3783126 The complaint Miss K complains (through a representative) that Morses Club PLC (Morses) didn’t carry out proper affordability checks before it granted loans to her. Had it done so, Morses would’ve discovered she couldn’t afford to repay these loans. What happened Miss K took fi... (5 pages)View decision -
Decision Reference DRN-3735985
7 Nov 2022 Barclays Bank UK PLC UpheldMortgagesDRN-3735985 The complaint Mr and Mrs A complain that Barclays Bank UK PLC decided at a late stage that it would no longer offer them a mortgage, because they were trying to buy a property from a company they owned. But Mr and Mrs A said that Barclays had known about that from the start. Wh... (3 pages)View decision -
Decision Reference DRN-3648103
7 Nov 2022 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-3648103 The complaint Mrs L complains that she was mis-sold a boiler partly financed by a fixed sum loan agreement with Mitsubishi HC Capital UK Plc trading as Novuna Personal Finance (Novuna) . She would like the finance agreement cancelled, and her deposit refunded. What happened Th... (2 pages)View decision
