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 128312 results
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Decision Reference DRN-4243316
14 Jul 2023 Valour Finance Limited UpheldConsumer CreditDRN-4243316 The complaint Mr M complains Valour Finance Limited trading as Savvy.co.uk (“Valour”) provided him with a loan without carrying out appropriate affordability checks. Mr M says that had it asked to see his bank statements Valour would’ve discovered that he was spending all his i... (6 pages)View decision -
Decision Reference DRN-4242837
14 Jul 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4242837 The complaint Mr B, through a representative, says Everyday Lending Limited (ELL), trading as Everyday Loans, irresponsibly lent to him. What happened Mr B took out three instalment loans from ELL. A summary of his borrowing follows. loan taken out value, £ term in months month... (3 pages)View decision -
Decision Reference DRN-4239456
14 Jul 2023 Lloyds Bank General Insurance Limited UpheldInsuranceDRN-4239456 The complaint Mr M has complained about Lloyds Bank General Insurance Limited’s (Lloyds’) offer to settle a claim he made on his home insurance policy for a stolen Rolex watch. What happened On 23 June 2023, I issued a provisional decision which explained why I was intending to... (4 pages)View decision -
Decision Reference DRN-4050619
14 Jul 2023 The Salvation Army General Insurance Corporation Ltd UpheldInsuranceDRN-4050619 The complaint F, a limited company, is unhappy The Salvation Army General Insurance Corporation Ltd (SAGIC) voided its commercial combined policy meaning a claim made relating to a fire wasn’t paid. What happened F has a commercial combined policy with SAGIC with a commencement... (4 pages)View decision -
Decision Reference DRN-4245831
13 Jul 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4245831 The complaint Mr P is unhappy that Barclays Bank UK PLC didn’t cancel his direct debits and respond to requests for information he made about his Barclays account. What happened In March 2021, Mr P wrote to Barclays, having recently been incarcerated, and asked for all direct d... (2 pages)View decision -
Decision Reference DRN-4236526
13 Jul 2023 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-4236526 The complaint Mr R complains about the charges Mercedes-Benz Financial Services UK Limited (“MBFS”) applied when he returned a vehicle at the end of his hire agreement. What happened Mr R entered into a hire agreement in June 2019 for a term of three years. He says he’s unhappy... (6 pages)View decision -
Decision Reference DRN-4210729
13 Jul 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4210729 The complaint Mr R complains that National Westminster Bank Plc blocked and closed his accounts without providing an explanation or warning. Mr R says this caused him unnecessary inconvenience and worry for which he should be compensated. What happened Mr R had six accounts wit... (4 pages)View decision -
Decision Reference DRN-4219898
13 Jul 2023 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-4219898 The complaint Mr M complains that Admiral Insurance (Gibraltar) Limited increased his premium for his motor insurance policy due to an incorrect claim on his record. What happened Mr M took out a policy with Admiral and it told him he needed to add a claim from 2020. But Mr M s... (2 pages)View decision -
Decision Reference DRN-4108870
13 Jul 2023 Covea Insurance plc UpheldInsuranceDRN-4108870 The complaint Mr H complains about how Covea Insurance Plc settled his motor insurance claim. What happened Mr H took out motor insurance through Covea. In December 2022 Mr H’s car was damaged as a result of poor weather conditions, and he made a claim against his motor insuran... (4 pages)View decision -
Decision Reference DRN-4177892
13 Jul 2023 Mayfair Capital Limited UpheldPensions and AnnuitiesDRN-4177892 The complaint Mr M is represented. He says Mayfair Capital Limited (‘MCL’) is responsible for losses incurred from unsuitable investments made within his Self-Invested Personal Pension (‘SIPP’). MCL disputes his claim and says it inherited the SIPP in a 2017 account transfer; i... (8 pages)View decision