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 119592 results
-
Decision Reference DRN-3568944
1 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3568944 The complaint Mr T complains that NewDay Ltd lent irresponsibly when it approved credit card applications for its Aqua and Amazon accounts and later increased the credit limits. What happened The background to this complaint and my initial conclusions were set out in my provisi... (4 pages)View decision -
Decision Reference DRN-3564427
1 Jul 2022 The Co-operative Bank Plc UpheldBanking and PaymentsDRN-3564427 The complaint Mr K complains that The Co-operative Bank Plc (Co-op) cancelled his debit card without notifying him. Mr K also complains about how long it took to receive a replacement debit card and the level of inconvenience caused. What happened The background to this complai... (3 pages)View decision -
Decision Reference DRN-3550665
1 Jul 2022 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-3550665 The complaint Mr A complains about the quality of a car he has been financing through an agreement with Santander Consumer (UK) Plc (“SCUK”), trading as Santander Consumer Finance. What happened The details of this complaint are well known to both parties, so I won’t repeat the... (3 pages)View decision -
Decision Reference DRN-3561388
1 Jul 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3561388 The complaint Mrs T complains through her representative that AvantCredit of UK, LLC lent her money on a high cost loan which she was unable to afford to repay. What happened AvantCredit provided Mrs T with a loan on 31 August 2015. This was for £2,000 repayable over 24 months ... (3 pages)View decision -
Decision Reference DRN-3448303
1 Jul 2022 Allay Claims Ltd UpheldClaims ManagementDRN-3448303 The complaint Mr K complains Allay Claims Ltd has charged him success fees for payment protection insurance (PPI) claims he said he never authorised them to make. What happened Mr K said he asked Allay to carry out a free PPI check. But he hadn’t given them any instruction to p... (5 pages)View decision -
Decision Reference DRN-3572888
1 Jul 2022 Amtrust Europe Limited UpheldInsuranceDRN-3572888 The complaint Mrs C complains that Amtrust Europe Limited unfairly handled a claim under her legal expenses insurance policy. Where I refer to Amtrust, this includes its agents and claims handlers. What happened In February 2021, Mrs C submitted a claim under her legal expenses... (5 pages)View decision -
Decision Reference DRN-3543528
1 Jul 2022 Union Reiseversicherung AG UpheldInsuranceDRN-3543528 The complaint Mr B is unhappy that Union Reiseversicherung AG (URV) declined a claim made on his travel insurance policy. What happened Towards the end of 2019 Mr B booked a holiday abroad to a country I’ll refer to as ‘A’. His flight was due to depart the UK on 1 March 2020 an... (6 pages)View decision -
Decision Reference DRN-3429934
1 Jul 2022 Great Lakes Insurance SE UpheldInsuranceDRN-3429934 The complaint Mr G is unhappy that Great Lakes Insurance SE declined a claim made on his travel insurance policy. What happened Mr G had the benefit of an annual, ‘premier’, multi-trip travel insurance policy, underwritten by Great Lakes (‘the policy’). The policy covered the p... (5 pages)View decision -
Decision Reference DRN-3553356
1 Jul 2022 Fairmead Insurance Limited UpheldInsuranceDRN-3553356 The complaint Mr A complains that Fairmead Insurance Limited trading as Legal and General unfairly declined claims he made for damage to his property and a theft of items on a home insurance policy. Mr A’s been represented in his dealings with our service by a solicitor. Where ... (3 pages)View decision -
Decision Reference DRN-3517367
1 Jul 2022 Studio Retail Limited UpheldConsumer CreditDRN-3517367 The complaint Miss M complains about Studio Retail Limited (“SRL”) and their decision to sell her account to a third-party debt management company (“L”), leading to a default being placed on her credit file. What happened Miss M held a credit account with SRL. But Miss M exceed... (3 pages)View decision
