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 120936 results
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Decision Reference DRN-3703029
23 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3703029 The complaint Ms T, through her representative, complains that Morses Club PLC lent to her when she could not afford it. What happened Using information we have from Morses, here is a brief loan table. Reference Date Taken Date Repaid Instalments Amount Repayment 1 03/03/2017 ... (5 pages)View decision -
Decision Reference DRN-3686796
23 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3686796 The complaint Mr U, through a representative complains that Morses Club PLC (Morses) didn’t carry out appropriate affordability checks before it provided him with loans that he couldn’t afford to repay. What happened Mr U was advanced six home collected loans between March 2017... (4 pages)View decision -
Decision Reference DRN-3702899
23 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3702899 The complaint Mr R, through a representative complains that Morses Club PLC (Morses) provided him with loans that he couldn’t afford to repay. What happened Mr R was advanced seven home collected loans between November 2015 and May 2017. I’ve included some of the information w... (4 pages)View decision -
Decision Reference DRN-3714734
22 Sep 2022 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-3714734 The complaint Mr W is unhappy with several aspects of the service he received from Clydesdale Bank Plc, trading as Virgin Money, surrounding a direct debit that was attempted to be taken from his account. What happened In December 2021, Mr W was notified by his Virgin Money app... (4 pages)View decision -
Decision Reference DRN-3657783
22 Sep 2022 Deep Blue Financial Limited UpheldPensions and AnnuitiesDRN-3657783 The complaint Ms M complains about the suitability of the advice provided by Deep Blue Financial Limited (“Deep Blue”) to switch the value of her personal pension plans to a new self-invested personal pension (“SIPP”). She says that the switch was unsuitable because it led to h... (7 pages)View decision -
Decision Reference DRN-3592520
22 Sep 2022 Admiral Insurance Company Limited UpheldInsuranceDRN-3592520 The complaint Miss C complains that she must declare Admiral Insurance Company Limited’s cancellation of her motor insurance policy. Miss C is represented in this matter by a family member but, for simplicity, I’ll refer mainly to Miss C in my decision. Miss C bought her Admira... (2 pages)View decision -
Decision Reference DRN-3645019
22 Sep 2022 U K Insurance Limited UpheldInsuranceDRN-3645019 The complaint Miss G and Mr W are unhappy with the service they received from UK Insurance Limited (UKI) following their home insurance claim. What happened On 31 December 2020 a car collided with the front of Miss G and Mr W’s house causing extensive damage. Emergency services... (4 pages)View decision -
Decision Reference DRN-3706513
22 Sep 2022 Hargreaves Lansdown Asset Management Limited UpheldInvestmentsDRN-3706513 The complaint Mr R complains about the administration of his child’s Junior Individual Savings Account (JISA) by Hargreaves Lansdown Asset Management Limited. He complains that following a transfer request Hargreaves didn’t inform him that the transfer had been unsuccessful, an... (6 pages)View decision -
Decision Reference DRN-3589982
22 Sep 2022 Oodle Financial Services Limited UpheldConsumer CreditDRN-3589982 The complaint Mr M complains about the quality of a used car that was supplied through a hire purchase agreement with Oodle Financial Services Limited trading as Oodle Car Finance (OFSL). What happened In January 2022 Mr M acquired a used car through a hire purchase agreement w... (5 pages)View decision -
Decision Reference DRN-3362701
22 Sep 2022 Yorkshire Building Society UpheldBanking and PaymentsDRN-3362701 The complaint Mr H and Mrs H complain about the actions of Yorkshire Building Society (YBS) when they were tricked into transferring money as a result of a scam. Mrs H is the lead complainant to this service, so I’ll refer to her throughout the decision. What happened The detai... (3 pages)View decision
