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-3858188
1 Mar 2023 Blue Motor Finance Ltd UpheldConsumer CreditDRN-3858188 The complaint Miss M complains that the car she acquired through a hire purchase agreement with Blue Motor Finance Ltd wasn’t of satisfactory quality. What happened Miss M entered into a hire purchase agreement with Blue Motor Finance on 7 February 2022 to acquire a used car. O... (4 pages)View decision -
Decision Reference DRN-3672564
1 Mar 2023 Gain Credit LLC UpheldConsumer CreditDRN-3672564 The complaint Mr B, through his representative, complains that Gain Credit LLC, trading as Drafty, lent to him when he could not afford it. What happened This was not a loan. Drafty offered a credit facility which commenced with a limit being determined and then the customer wa... (3 pages)View decision -
Decision Reference DRN-3749347
1 Mar 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3749347 The complaint The estate of Miss S complains about the interest Barclays Bank UK PLC trading as Barclaycard charged Miss S and also complains that the account shouldn’t have been opened. The complaint is brought by Ms T. What happened Ms T says Miss S was charged excessive inte... (2 pages)View decision -
Decision Reference DRN-3994491
1 Mar 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3994491 The complaint Miss S is unhappy Lloyds Bank Plc (Lloyds) closed her account without giving her a reason. She says Lloyds gave her bad service throughout and made it difficult for her to get an account elsewhere. What happened Lloyds sent Miss S a letter on 1 September 2020 expl... (4 pages)View decision -
Decision Reference DRN-3994789
1 Mar 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3994789 The complaint A company, which I’ll refer to as “B”, complains that HSBC UK Bank Plc misadvised its director that he was personally responsible for repaying its Bounce Back Loan. As B is in liquidation, the complaint is authorised by its liquidators – but has been dealt with pr... (2 pages)View decision -
Decision Reference DRN-3993841
1 Mar 2023 Capital One (Europe) plc UpheldBanking and PaymentsDRN-3993841 The complaint Mr T complains Capital One (Europe) plc won’t refund him for transactions he didn’t make. What happened Mr T received a message from Capital One to verify a payment made on his credit card. Mr T responded to the message to say he didn’t recognise the payment, and ... (3 pages)View decision -
Decision Reference DRN-3994520
1 Mar 2023 Sterling Wealth Ltd UpheldPensions and AnnuitiesDRN-3994520 The complaint Mr B is represented. His representative says Sterling Wealth Ltd (‘SWL’) is responsible for the unsuitable advice given to him in 2015 to transfer his Legal and General (‘L&G’) Personal Pension (‘PP’) to a Self-Invested Personal Pension (‘SIPP’) with Novia, an... (11 pages)View decision -
Decision Reference DRN-3971710
1 Mar 2023 QIC Europe Ltd UpheldInsuranceDRN-3971710 The complaint Mr G is unhappy with QIC Europe Ltd’s handling of, and suggested settlement for, a claim he made for fire damage to his home. What happened The details of this complaint are well known to both parties, so I will not repeat them again in full detail here. But to br... (10 pages)View decision -
Decision Reference DRN-3994399
28 Feb 2023 Strategic Solutions Financial Services UpheldPensions and AnnuitiesDRN-3994399 The complaint Mr S says Strategic Solutions Financial Services (‘SSFC’) failed to deliver the ongoing advisory service that he paid for, following its initial advice in October 2018 and the initial transaction of transferring his Defined Benefits (‘DB’) pension to a Self-Invest... (6 pages)View decision -
Decision Reference DRN-3994105
28 Feb 2023 Aviva Life & Pensions UK Limited UpheldPensions and AnnuitiesDRN-3994105 The complaint Mr S complains that Aviva Life and Pensions UK Ltd delayed sending him information, meaning he was unable to access his pension before the end of the 2020/21 tax year. What happened Mr S first approached Aviva in 2020 to discuss accessing his pension. Following fu... (6 pages)View decision
