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 120799 results
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Decision Reference DRN-3557774
22 Sep 2022 Al Rayan Bank PLC UpheldBanking and PaymentsDRN-3557774 The complaint Mr E complains about issues in relation to closing his account with Al Ryan Bank PLC (Al Ryan) . He would like compensation for the distress and inconvenience What happened The details of this complaint are well known to both parties so I won’t repeat them again... (2 pages)View decision -
Decision Reference DRN-3647261
22 Sep 2022 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3647261 The complaint Mr W complains that the furniture he acquired through a fixed sum loan agreement with Creation Consumer Finance Ltd wasn’t of satisfactory quality. What happened Mr W entered a fixed sum loan agreement with Creation on 2 May 2021 to acquire a sofa and armchair. He... (3 pages)View decision -
Decision Reference DRN-3431370
22 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3431370 The complaint Mr B complains that Morses Club PLC lent to him irresponsibly. What happened Mr B was approved for one loan on 22 September 2021 and it was for £300 and repayable at £15 a week for 35 weeks. The total to pay was £525. In February 2022 when Morses wrote to us with ... (3 pages)View decision -
Decision Reference DRN-3700953
22 Sep 2022 Ageas Insurance Limited UpheldInsuranceDRN-3700953 The complaint Ms C complains that Ageas Insurance Limited declined her claim on her property insurance policy What happened Ms C had a property insurance policy with Ageas for a house she owns and rents out. In July 2021 the roof was damaged following a period of bad weather an... (3 pages)View decision -
Decision Reference DRN-3613049
22 Sep 2022 Short Term Finance Limited UpheldConsumer CreditDRN-3613049 The complaint Ms W, through her representative, complains that Short Term Finance Limited lent to her when she could not afford the loans. What happened Using information from Short Term Finance Limited (STFL) here is a brief loan table. Loan Date Capital Settled Term (W) Repay... (6 pages)View decision -
Decision Reference DRN-3698576
22 Sep 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3698576 The complaint Mr C has complained that Lloyds Bank PLC (“Lloyds”) acted irresponsibly by allowing him to increase his overdraft limit and unfairly continued to apply charges to his account when he was in financial difficulty. What happened Mr C complained to Lloyds about lendin... (3 pages)View decision -
Decision Reference DRN-3368006
22 Sep 2022 Portal Financial Services LLP UpheldPensions and AnnuitiesDRN-3368006 The complaint Mr P complains about the advice he received from Portal Financial Services LLP (Portal) to transfer his pension into a Self Invested Personal Pension (SIPP) and to invest in high risk, unregulated investments. He says he’s lost out financially as a result. What ha... (8 pages)View decision -
Decision Reference DRN-3687842
22 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3687842 The complaint Mrs W, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Mrs W was advanced five home collected loans between December 2014 and November 2018. I’ve includ... (4 pages)View decision -
Decision Reference DRN-3704564
22 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3704564 The complaint Ms N complains (through a representative) that Morses Club PLC (Morses) didn’t carry out proper affordability checks before it advanced her loans. Had it carried out proper checks it would’ve discovered Ms N couldn’t afford her loans. What happened Ms N took five ... (6 pages)View decision -
Decision Reference DRN-3713316
21 Sep 2022 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3713316 The complaint X complains Tesco Personal Finance PLC (Tesco) didn’t do enough to protect him from losing over £11,000 to an investment scam. What happened X has explained that in 2020 he saw Bitcoin and investment markets advertised heavily on the internet, and after providing ... (5 pages)View decision
