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-3885711
28 Feb 2023 Go Car Credit Limited UpheldConsumer CreditDRN-3885711 The complaint Miss W complains about the quality of a car she had on finance with Go Car Credit Limited. What happened In October 2021 Miss W entered a hire purchase agreement with Go Car for a used car. The car was around 9 years old and had covered 85,699 miles. Th... (3 pages)View decision -
Decision Reference DRN-3880387
28 Feb 2023 Union Reiseversicherung AG UpheldInsuranceDRN-3880387 The complaint Mr C is unhappy because Union Reiseversicherung AG (“URV”) hasn’t settled his medical bills. What happened Mr C had a travel insurance policy underwritten by URV. In late 2019 he needed medical treatment in the USA and successfully claimed on his travel insurance ... (3 pages)View decision -
Decision Reference DRN-3929363
28 Feb 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3929363 The complaint A company which I’ll call K complains that Barclays Bank Plc treated them unfairly when the bank wouldn’t accept a virtual trading address. The complaint is brought on K’s behalf by their director, Mr K. What happened K had a business account with Barclays. In Mar... (3 pages)View decision -
Decision Reference DRN-3934823
28 Feb 2023 Gain Credit LLC UpheldConsumer CreditDRN-3934823 The complaint Mr S, through his representative, complains that Gain Credit LLC, trading as Drafty, lent to him, and increased his credit limit, when he could not afford it. What happened This was not a loan. Drafty offered a credit facility which commenced with a limit being de... (4 pages)View decision -
Decision Reference DRN-3787556
28 Feb 2023 Gallium Fund Solutions Limited UpheldInvestmentsDRN-3787556 The complaint Mr S complains to Gallium Fund Solutions Limited (“Gallium”) about a £3000 investment he made into a 3 Year Compounding High-Yield IFISA Bond with Basset & Gold Plc (“B&G Plc”) in March 2017. He says the bond carried much greater risk of loss than he wante... (5 pages)View decision -
Decision Reference DRN-3855991
27 Feb 2023 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3855991 The complaint Mrs C complains that Creation Consumer Finance Ltd failed to deal with her claim under section 75 of the Consumer Credit Act 1974 for a refund of her purchase of a defective glass table. What happened In 2019 Mrs C bought a glass table and six chairs and paid for ... (3 pages)View decision -
Decision Reference DRN-3991474
27 Feb 2023 PayPal (Europe) Sarl et Cie SCA UpheldBanking and PaymentsDRN-3991474 The complaint O complains that PayPal (Europe) Sarl et Cie SCA (PayPal) restricted pay-outs from its account. What happened O had had an account with PayPal for its trading for ten years or so. It had a restriction of £300 – whereby payments to O were limited to £300 each month... (2 pages)View decision -
Decision Reference DRN-3772140
27 Feb 2023 Phoenix Life Limited UpheldPensions and AnnuitiesDRN-3772140 The complaint Mr A complains that Phoenix Life Limited (Phoenix) delayed his three pension transfers. He feels this led to a financial loss. He also feels that because Phoenix took some time to explain why his transfer values had fallen, it should compensate him for lost invest... (7 pages)View decision -
Decision Reference DRN-3991393
27 Feb 2023 National House-Building Council UpheldInsuranceDRN-3991393 The complaint Mrs P complains about National House-Building Council (NHBC)’s handling of her Buildings Warranty claim. All references to NHBC also include its appointed agents. What happened Below is intended to be a summary of what happened and does not therefore include a ful... (7 pages)View decision -
Decision Reference DRN-3828796
27 Feb 2023 QIC Europe Ltd UpheldInsuranceDRN-3828796 The complaint Mr W complains about how QIC Europe Limited handled and settled a claim he made under his home insurance policy for storm damage. Mr W is represented by his wife in bringing this complaint. But for clarity – I’ll refer to all submissions as being made by him direc... (4 pages)View decision
