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-3927678
27 Jan 2023 Shawbrook Bank Limited UpheldConsumer CreditDRN-3927678 The complaint Mr and Mrs N complain that Shawbrook Bank Limited (“Shawbrook”), has rejected the claim they made under sections 75 and 140 and of the Consumer Credit Act 1974 (“the Act”) in relation to a solar panel system including a voltage optimiser, boiler optimiser and heat... (9 pages)View decision -
Decision Reference DRN-3866440
27 Jan 2023 Gain Credit LLC UpheldConsumer CreditDRN-3866440 The complaint Ms G says Gain Credit LLC (trading as Drafty) had a running credit facility that was unaffordable for her. She also says, when she told Drafty that she had a negative disposable income each month it wouldn’t freeze the interest on the facility unless she entered i... (5 pages)View decision -
Decision Reference DRN-3624354
27 Jan 2023 JLT Wealth Management Limited UpheldPensions and AnnuitiesDRN-3624354 The complaint Ms W complains about the advice given by JLT Wealth Management Limited (‘JLT’) when she transferred the benefits from her defined-benefit (‘DB’) occupational pension scheme (‘OPS’) to a personal pension. She says the advice was unsuitable for her and believes this... (10 pages)View decision -
Decision Reference DRN-3928671
27 Jan 2023 Scottish Widows Limited UpheldPensions and AnnuitiesDRN-3928671 The complaint Mr S complains that Scottish Widows Limited trading as Clerical Medical failed to provide his financial advisor with information relating to the transfer of his pension savings in a timely manner. What happened I issued a provisional decision on this complaint in ... (5 pages)View decision -
Decision Reference DRN-3878843
27 Jan 2023 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3878843 The complaint Mr M, who is represented by a third party, complains that Moneybarn No. 1 Limited (“Moneybarn) irresponsibly granted him a conditional sale he couldn’t afford to repay. What happened In May 2016, Mr M acquired a used car financed by a conditional sale from Moneyba... (2 pages)View decision -
Decision Reference DRN-3904057
27 Jan 2023 Oplo PL Ltd UpheldConsumer CreditDRN-3904057 Complaint Mrs J has complained that Oplo PL Ltd (“Oplo”), amongst other things, unfairly continued adding interest, fees and charges to her loan after she lost her job and went into a debt management plan. Background Oplo provided Mrs J with a loan for £10,000.00 in May 2017. T... (7 pages)View decision -
Decision Reference DRN-3929620
27 Jan 2023 Allianz Insurance Plc UpheldInsuranceDRN-3929620 The complaint Mr and Mrs L complain about how Allianz Insurance Plc handled their claim on their property insurance. All references to Allianz include the actions of its agents. What happened Mr and Mrs L own a property that they rent out to tenants, for which they had property... (3 pages)View decision -
Decision Reference DRN-3818301
27 Jan 2023 Gallium Fund Solutions Limited UpheldInvestmentsDRN-3818301 The complaint Mr K complains he was mis-sold an investment bond (held in an ISA wrapper) by Basset Gold Limited (“BG Ltd”) an appointed representative of Gallium Fund Solutions Limited (“Gallium”). He says he has lost all of his money as a result of poor performance of the inve... (26 pages)View decision -
Decision Reference DRN-3818297
27 Jan 2023 Gallium Fund Solutions Limited UpheldInvestmentsDRN-3818297 The complaint Mrs K complains she was mis-sold an investment bond (held in an ISA wrapper) by Basset Gold Limited (“BG Ltd”) an appointed representatives of Gallium Fund Solutions Limited (“Gallium”). She says she has lost all of her money as a result of poor performance of the... (26 pages)View decision -
Decision Reference DRN-3891063
27 Jan 2023 Zopa Bank Limited UpheldConsumer CreditDRN-3891063 Complaint Mr W has complained about a loan Zopa Bank Limited (trading as “Zopa”) provided to him. He says the loan was unaffordable and was therefore irresponsibly lent to him. Background Zopa provided Mr W with a loan for £10,000.00 in April 2021. This loan had an APR of 16.7%... (3 pages)View decision
