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-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 -
Decision Reference DRN-3651265
21 Sep 2022 Inter Partner Assistance SA UpheldInsuranceDRN-3651265 The complaint Mr L and Miss S have complained that Inter Partner Assistance SA (IPA) caused a water leak that damaged their home under a home emergency policy. What happened Mr L and Miss S contacted IPA when their heating system failed. IPA sent an engineer, who visited twice ... (3 pages)View decision -
Decision Reference DRN-3709498
21 Sep 2022 The Pension Review Business Limited UpheldPensions and AnnuitiesDRN-3709498 The complaint Mrs H’s representative has complained, on her behalf, that The Pension Review Business Limited (PRB) unsuitably advised her to transfer her personal pension plan into a Self Invested Personal Pension (SIPP), and that she’s suffered financial loss as a result. What... (9 pages)View decision -
Decision Reference DRN-3433137
21 Sep 2022 St. James's Place Wealth Management Plc UpheldInvestmentsDRN-3433137 The complaint Ms J complains about the advice that St. James's Place Wealth Management Plc (“SJP”) gave her following the sale of a property. In particular, she says she was only looking for a short-term investment and wasn’t made aware of the fees involved. What happened ... (3 pages)View decision
