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 128312 results
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Decision Reference DRN-4003334
1 Jun 2023 The Royal London Mutual Insurance Society Limited UpheldPensions and AnnuitiesDRN-4003334 The complaint Mr H complains about the advice given by Co-operative Insurance Society Limited (CIS). This advice was to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a Section 32 buy out plan (S32 plan). He says the advice was unsuitable f... (6 pages)View decision -
Decision Reference DRN-4158561
1 Jun 2023 Blue Motor Finance Ltd UpheldConsumer CreditDRN-4158561 The complaint Mr K complains, via a third party representative, that Blue Motor Finance Ltd (“BMFL”) acted irresponsibly when it lent him £15,000 under a hire purchase agreement to acquire a used car. What happened In June 2021 Mr K entered into an agreement with BMFL for a use... (4 pages)View decision -
Decision Reference DRN-4163159
1 Jun 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4163159 The complaint Mr R complains that Tesco Personal Finance PLC trading as Tesco Bank irresponsibly lent to him. Mr R is represented by his wife in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments he has made as being made by Mr R himself... (4 pages)View decision -
Decision Reference DRN-4163236
1 Jun 2023 WorldRemit Ltd UpheldBanking and PaymentsDRN-4163236 The complaint Mr R complains that WorldRemit Ltd told him incorrect information which led to him sleeping rough for two nights in an overseas country. What happened Mr R says that he tried to send some money to himself as he was travelling, and he was overseas. He tried to send... (4 pages)View decision -
Decision Reference DRN-4164125
1 Jun 2023 National Westminster Bank Plc UpheldMortgagesDRN-4164125 The complaint Mr M complains that National Westminster Bank Plc incorrectly set up an interest only mortgage, rather than a repayment mortgage. He said he only found out when NatWest contacted him in 2023 to tell him the term of his mortgage was due to end in February 2023. Wh... (5 pages)View decision -
Decision Reference DRN-4144696
1 Jun 2023 Advantage Insurance Company Limited UpheldInsuranceDRN-4144696 The complaint Mr G complains about Advantage Insurance Company Limited (“AIC”) and the way they handled his motor insurance claim. Mr G has been represented by Miss G during the claim and complaint process. For ease of reference, I will refer to any comments made, and actions t... (4 pages)View decision -
Decision Reference DRN-4118961
1 Jun 2023 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-4118961 The complaint Mr and Mrs M complain about Royal and Sun Alliance Insurance Limited’s (RSA) handling of their claim under their home emergency policy. What happened Mr and Mrs M purchased a home emergency policy for their tenanted property from RSA. A few months after the purcha... (3 pages)View decision -
Decision Reference DRN-4163396
31 May 2023 HSBC UK Bank Plc UpheldInsuranceDRN-4163396 The complaint Miss M complains that HSBC UK Bank Plc did not fairly compensate her after it mis-sold payment protection insurance (‘PPI’). To be clear, this decision is about the borrowing taken out by Miss M only in 2006. What happened Miss M applied for an HSBC loan for £8,50... (2 pages)View decision -
Decision Reference DRN-4141462
31 May 2023 Erudio Student Loans Limited UpheldConsumer CreditDRN-4141462 The complaint Miss B has complained that Erudio Student Loans Limited defaulted her accounts after writing to the wrong address. What happened Miss B has three student loan accounts from the 90s, which were sold to Erudio in 2014. Each year, Miss B successfully deferred her loa... (4 pages)View decision -
Decision Reference DRN-4163176
31 May 2023 Blue Motor Finance Ltd UpheldConsumer CreditDRN-4163176 The complaint Mr H is unhappy with how Blue Motor Finance Ltd (‘BMF’) treated him in relation to a hire purchase agreement when he got into financial difficulty. What happened Mr H took a hire purchase agreement to acquire a car in September 2017. The car had a cash price of £2... (6 pages)View decision