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 125400 results
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Decision Reference DRN-3999775
10 Mar 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-3999775 Complaint Mr E has complained that Loans 2 Go Limited (“L2G”) provided him with an unaffordable loan. Background L2G provided Mr E with a loan of £300 in August 2019. This loan had an APR of 1,013.3% and an 18-month term. This all meant the total amount repayable of £1,324.26, ... (4 pages)View decision -
Decision Reference DRN-4003641
10 Mar 2023 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-4003641 Complaint Mrs S has complained that Sainsbury’s Bank Plc (“Sainsbury’s”) irresponsibly provided her with an unaffordable credit card. She said that she was provided with this credit card at a time when she was already struggling because she had no income due to the pandemic. Ba... (3 pages)View decision -
Decision Reference DRN-4008405
9 Mar 2023 Hiscox Underwriting Limited UpheldInsuranceDRN-4008405 The complaint Mr C complains about the administration of a business insurance policy he held with Hiscox Underwriting Limited trading as Hiscox. What happened Mr C held an insurance policy with Hiscox. In July 2022 he spoke to Hiscox by telephone and said Hiscox had cancelled h... (4 pages)View decision -
Decision Reference DRN-3996788
9 Mar 2023 Lendable Ltd UpheldConsumer CreditDRN-3996788 The complaint Mr S complains that Lendable Ltd lent to him irresponsibly. What happened Mr S’s complaint is about a loan provided by Lendable. The loan was advanced in April 2022 for £5000 over a term of 60 months with monthly repayments of £107.90. Mr S says the lending was ir... (2 pages)View decision -
Decision Reference DRN-4013838
9 Mar 2023 Santander UK Plc UpheldBanking and PaymentsDRN-4013838 The complaint Mr B has complained that Santander UK Plc held him liable for transactions he says he didn’t make or otherwise authorise. What happened In May 2022, Mr B went to a bar abroad, which I’ll refer to as “L”. He accepts he made at least one genuine payment at L, but di... (4 pages)View decision -
Decision Reference DRN-4000190
9 Mar 2023 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-4000190 The complaint Mr O complains that a holiday lodge purchased under a conditional sale agreement from Santander Consumer (UK) Plc wasn’t of satisfactory quality. What happened In August 2017 Mr O purchased a holiday lodge and entered into a conditional sale agreement with Santand... (4 pages)View decision -
Decision Reference DRN-3994734
9 Mar 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-3994734 The complaint Miss M complains that Loans 2 Go Limited lent to her irresponsibly. What happened Miss M’s complaint is about a loan provided by Loans 2 Go. The loan was advanced in September 2022 for £1210 over a period of 24 months with monthly repayments of £162.95. Miss M say... (2 pages)View decision -
Decision Reference DRN-3980645
9 Mar 2023 Gallium Fund Solutions Limited UpheldInvestmentsDRN-3980645 The complaint Mrs A complains to Gallium Fund Solutions Limited (“Gallium”) about a £46960 investment in a 3 Year Compounding High-Yield IFISA Bond she made with Basset & Gold Plc (“B&G Plc”) in July 2017. She says she was mis-sold the bond by Basset Gold Limited (“BG L... (6 pages)View decision -
Decision Reference DRN-3792108
9 Mar 2023 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-3792108 The complaint Mr B is unhappy that the cash price of the car supplied to him through a Hire Purchase Agreement with BMW Financial Services(GB) Limited, trading as Alphera Financial Services (BMWFS), was more than the cash price he’d been told by the dealer. What happened In Mar... (3 pages)View decision -
Decision Reference DRN-3993791
9 Mar 2023 The Royal London Mutual Insurance Society Limited UpheldInvestmentsDRN-3993791 The complaint Ms C complains that The Royal London Mutual Insurance Society Limited (‘Royal London’) will not pay her the full proceeds of her Low Cost Endowment Assurance policy that matured in 2018. It says the policy is jointly owned and cannot be transferred to Ms C without... (4 pages)View decision
