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 120469 results
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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 -
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
