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 120436 results
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Decision Reference DRN-3127079
28 Jul 2022 Bamboo Limited UpheldConsumer CreditDRN-3127079 The complaint Mr K complains about two loans provided to him by Bamboo Limited trading as “Bamboo”, which he says were unaffordable. What happened Bamboo provided Mr K with loan 1 in October 2018. The loan was for £2400 and was scheduled to be repaid over 12 months at a monthly... (4 pages)View decision -
Decision Reference DRN-3596855
28 Jul 2022 Shawbrook Bank Limited UpheldConsumer CreditDRN-3596855 The complaint Mr B has complained that Shawbrook Bank Limited rejected his claim against it under Section 75 of the Consumer Credit Act 1974. What happened Mr B bought solar panels for his home in 2015. The purchase was funded by a loan from Shawbrook, and that business is ther... (2 pages)View decision -
Decision Reference DRN-3589558
28 Jul 2022 Allianz Insurance Plc UpheldInsuranceDRN-3589558 The complaint Mr P on behalf of W, a building management company of which he is a director, complains that he has been unfairly treated by his home insurer, Allianz Insurance Plc in reaching a fair and reasonable settlement of his claim for damage from an escape of water. Mr P ... (3 pages)View decision -
Decision Reference DRN-3607728
28 Jul 2022 I Go 4 Ltd. UpheldInsuranceDRN-3607728 The complaint Mr C complains that an error made by I Go 4 Ltd led to his not being covered by the motor insurance policy he’d bought through it. What happened I Go 4 sent Mr C a renewal invitation in May 2021. On 1 June 2021 it emailed him to say his policy would lapse on 18 Ju... (2 pages)View decision -
Decision Reference DRN-3617970
28 Jul 2022 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-3617970 The complaint Mrs C and Mr C complain about Royal & Sun Alliance (RSA)’s handling of an ongoing escape of water claim made under their home insurance policy. All references to RSA include its appointed agents. What happened The background to this complaint is well known to ... (4 pages)View decision -
Decision Reference DRN-3499309
28 Jul 2022 Aviva Insurance Limited UpheldInsuranceDRN-3499309 The complaint Ms P complains about how Aviva Insurance Limited trading as Quotemehappy.com (“Aviva”) handled a claim under her motor insurance policy. When I mention Aviva, I also mean its repairers and suppliers. What happened Ms P has a motor insurance policy with Aviva cover... (3 pages)View decision -
Decision Reference DRN-3618079
28 Jul 2022 Money Advice & Planning Ltd UpheldPensions and AnnuitiesDRN-3618079 The complaint Mr M complains about advice he was given to transfer two pensions he had, to a Self-Invested Personal Pension (SIPP). Mr M says the advice to transfer these two pensions was unsuitable and believes he’s been caused financial losses as a result. The first pension r... (12 pages)View decision -
Decision Reference DRN-3558747
28 Jul 2022 U K Insurance Limited UpheldInsuranceDRN-3558747 The complaint Mrs G complains that UK Insurance Limited (UKI) has declined a claim on her motorhome’s roadside assistance policy. What happened Mrs G says she tried to start the motorhome in November 2021 and found the battery was flat. As the motorhome wouldn’t start, she call... (5 pages)View decision -
Decision Reference DRN-3618704
28 Jul 2022 Bank of Scotland Plc UpheldMortgagesDRN-3618704 The complaint Mr A had a mortgage for a buy to let (“BTL”) property with Bank of Scotland plc (“BoS”). He complains that Law of Property Act receivers caused his property to be taken over by squatters. He says the receivers acted for BoS, not him, so BoS should pay the costs of... (6 pages)View decision -
Decision Reference DRN-3473021
28 Jul 2022 Mutual Clothing and Supply Company Limited UpheldConsumer CreditDRN-3473021 The complaint Ms G (by way of a representative) complains Mutual Clothing and Supply Company Limited, trading as Mutual, didn’t carry out sufficient affordability checks before each loan was granted. If Mutual had done so, it would’ve realised Ms G wasn’t in a position to take ... (6 pages)View decision
