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-3541140
28 Jul 2022 Indigo Michael Limited UpheldConsumer CreditDRN-3541140 The complaint Ms H (through a representative) has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) didn’t complete proper affordability checks before approving her Safety Net facility or at each new instance of borrowing. What happened Ms H approached... (4 pages)View decision -
Decision Reference DRN-3616273
28 Jul 2022 Oakbrook Finance Limited UpheldConsumer CreditDRN-3616273 Complaint Mrs H says Oakbrook Finance Limited (“Likely Loans”) irresponsibly lent to her. She’s said reasonable checks cannot have been carried out as such checks would clearly have shown that her debts were increasing and the loans were unaffordable. Background This complaint ... (4 pages)View decision -
Decision Reference DRN-3420628
28 Jul 2022 Morses Club PLC UpheldConsumer CreditDRN-3420628 The complaint Mr I complains that Morses Club PLC (Morses) has reported missed payment markers to the credit reference agencies which he says is inaccurate. Instead, Mr I says his credit file should show that he was on a payment arrangement while paying down the balance of his ... (6 pages)View decision -
Decision Reference DRN-3586908
28 Jul 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3586908 The complaint Mr S complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (MoneyBoat) didn’t carry out proportionate affordability checks before it granted him a loan. What happened Mr S was advanced one instalment loan on 30 May 2017 for £200. Mr S was con... (4 pages)View decision -
Decision Reference DRN-3609032
27 Jul 2022 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-3609032 The complaint Mr G complains about the way Clydesdale Bank Plc trading as Virgin Money dealt with his attempts to recover money he paid for a holiday that didn’t go ahead due to the Covid-19 pandemic. What happened Mr G paid a deposit to “B”, a holiday company, for accommodatio... (3 pages)View decision -
Decision Reference DRN-3490718
27 Jul 2022 PayrNet Limited UpheldBanking and PaymentsDRN-3490718 The complaint Mr B complains that PayrNet Limited, trading as Pockit, restricted his account and withheld his funds. And he’d like his funds returned. What happened Mr B had an account with PayrNet, trading as Pockit. In June 2021 Mr B explained that he sold a van, and most of ... (2 pages)View decision -
Decision Reference DRN-3611560
27 Jul 2022 Tesco Underwriting Limited UpheldInsuranceDRN-3611560 The complaint Mr P complains Tesco Underwriting Limited declined his claim on his motor insurance policy. What happened Mr P had a car insurance policy with Tesco and made a claim when his car was stolen. He said it was taken while he visited at his mother’s home. He obtained C... (4 pages)View decision -
Decision Reference DRN-3618176
27 Jul 2022 Carcashpoint Limited UpheldConsumer CreditDRN-3618176 The complaint Miss M has complained that CarCashPoint Limited (“CCP”) was irresponsible to have agreed credit for her. What happened CCP provided Miss M with a loan of £530 in January 2019. The total amount of £2,438 including interest and charges was to be repaid in 36 monthly... (5 pages)View decision -
Decision Reference DRN-3492317
27 Jul 2022 Admiral Insurance Company Limited UpheldInsuranceDRN-3492317 The complaint Mr N complains about Admiral Insurance Company Limited’s handling of his claim when he required assistance after an accident, under his roadside assistance policy. What happened In March 2021 Mr N was involved in an accident when driving his car. He contacted Admi... (3 pages)View decision -
Decision Reference DRN-3430461
27 Jul 2022 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3430461 The complaint Miss L complains that National Westminster Bank plc blocked her current account. What happened Miss L banked with NatWest, where she had a current account and a loan. In October 2020, someone paid £2,000 into Miss L’s loan account. A few days later, NatWest receiv... (3 pages)View decision
