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 125299 results
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Decision Reference DRN-3961693
22 Feb 2023 J D Williams & Company Limited UpheldConsumer CreditDRN-3961693 The complaint Miss B complains about the handling of a credit limit provided to her by J D Williams & Company Limited trading as Fashion World. What happened Miss B applied for credit and was given a £150 credit limit with Fashion World. She ordered goods for next day deliv... (3 pages)View decision -
Decision Reference DRN-3946570
21 Feb 2023 Allianz Insurance Plc UpheldInsuranceDRN-3946570 The complaint Mr S complains that Allianz Insurance Plc (“Allianz”) provided poor service when dealing with a subsidence claim he made under his policy. Any reference to Allianz in this decision includes its appointed agents. What happened In 2017 Mr S made a claim for subsiden... (4 pages)View decision -
Decision Reference DRN-3975085
21 Feb 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-3975085 Complaint Mr S has complained about a loan Loans 2 Go Limited (“L2G”) provided to him. He says the loan was unaffordable. Background L2G provided Mr S with a loan for £400 in June 2019. The loan had an APR of 1,013.1% and a 18-month term. This meant that the total amount to be ... (3 pages)View decision -
Decision Reference DRN-3979996
21 Feb 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3979996 The complaint Mr B complains that Lloyds Bank PLC have closed his account without good reason. What happened I issued my provisional decision on this complaint on 20 January 2023, and this is what I said: I’ve considered the relevant information about this complaint. Based on w... (3 pages)View decision -
Decision Reference DRN-3967309
21 Feb 2023 Warde Graham Consulting Ltd UpheldPensions and AnnuitiesDRN-3967309 The complaint In summary, Mrs S complains about the advice provided to her by Warde Graham Consulting Limited (WG). She believes the advice to take her late husband’s pension as a lump sum was unsuitable. She thinks the advice has resulted in her losing the favourable tax stat... (10 pages)View decision -
Decision Reference DRN-3799206
21 Feb 2023 Specialist Motor Finance Limited UpheldConsumer CreditDRN-3799206 The complaint Miss T complains about the quality of a used car that was supplied through a hire purchase agreement with Specialist Motor Finance Limited (SMF). What happened The circumstances surrounding this complaint and my initial findings were set out in my provisional deci... (5 pages)View decision -
Decision Reference DRN-3901297
21 Feb 2023 ERGO Versicherung Aktiengesellschaft UpheldInsuranceDRN-3901297 The complaint Mr and Mrs H complain about the way ERGO Versicherung Aktiengesellschaft (ERGO) handled their claim for of the flood damage to their property and river wall made on their holiday home insurance policy. What happened The background of this complaint is well known t... (2 pages)View decision -
Decision Reference DRN-3925942
21 Feb 2023 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3925942 The complaint Miss B complains that Creation Consumer Finance Ltd (“Creation”) declined her claim for a refund of a defective sofa under section 75 of the Consumer Credit Act 1974. What happened In January 2018 Miss B bought a sofa for £2,141, and paid for it with a three year ... (3 pages)View decision -
Decision Reference DRN-3979138
21 Feb 2023 AWP P&C SA UpheldInsuranceDRN-3979138 The complaint Ms C and Mr D have complained that AWP P&C SA have refused to pay anything in settlement of their claim under their travel insurance policy. What happened The details of this complaint are well known to the parties, so I won’t repeat them again here. The facts... (2 pages)View decision -
Decision Reference DRN-3974936
21 Feb 2023 Inter Partner Assistance SA UpheldInsuranceDRN-3974936 The complaint Mr M says Inter Partner Assistance SA provided poor service when he made a claim on his motor breakdown policy and that its agent damaged his car. What happened Mr M called IPA for assistance on 30 May 2022 when his car lost power. He had to wait 4.5 hours at the ... (4 pages)View decision
