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
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Decision Reference DRN-3550636
17 Jun 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3550636 The complaint Mr L complains about a loan provided to him by Loans 2 Go Limited, (“L2G”), which he says was unaffordable. He also complained that he felt he was being overcharged interest. What happened L2G entered into an agreement for a loan for Mr L in March 2019. The loan w... (7 pages)View decision -
Decision Reference DRN-3522705
17 Jun 2022 Mobile Money Limited UpheldConsumer CreditDRN-3522705 The complaint Ms L has complained that Mobile Money Limited (“MML”) was irresponsible to have agreed to lend to her. What happened MML agreed five loans for Ms L between 2015 and 2018. Some of the information MML provided is shown in the table below (all figures rounded to the ... (5 pages)View decision -
Decision Reference DRN-3497398
17 Jun 2022 Independent Financial Services 4 You Ltd UpheldPensions and AnnuitiesDRN-3497398 The complaint Mr A says the advice given and the arrangements made by Independent Financial Services 4 You Ltd (IFS4Y), trading as Expat IFA Ltd, resulting in the transfer of his defined benefit (DB) pension to an alternative provider was unsuitable. What happened Mr A says tha... (21 pages)View decision -
Decision Reference DRN-3387411
17 Jun 2022 We Fight Any Claim Limited UpheldClaims ManagementDRN-3387411 The complaint Mrs L and Mr L complain about an invoice received from We Fight Any Claim Limited (“WFAC”) for work they’ve carried out on a complaint for mis-sold Payment Protection Insurance (“PPI”). What happened Mrs L and Mr L instructed WFAC to handle a PPI complaint against... (3 pages)View decision -
Decision Reference DRN-3506272
17 Jun 2022 Marks & Spencer Financial Services plc UpheldBanking and PaymentsDRN-3506272 The complaint Mrs L says that Marks & Spencer Financial Services Plc, trading as M&S Bank, has treated her unfairly in relation to a transaction on her credit card which paid for two sets of flights. What happened In January 2020 Mrs L used her M&S credit card to pa... (4 pages)View decision -
Decision Reference DRN-3479960
17 Jun 2022 PayPal (Europe) Sarl et Cie SCA UpheldBanking and PaymentsDRN-3479960 The complaint Mr F complains PayPal (Europe) Sarl et Cie SCA (“PayPal”) restricted access to his account without giving a reason. Mr F also complains PayPal delayed returning his funds, provided poor customer service, and caused him distress and inconvenience. What happened In ... (4 pages)View decision -
Decision Reference DRN-3348050
17 Jun 2022 London and Country Mortgages Ltd UpheldMortgagesDRN-3348050 The complaint Mr K and Miss S complain about the poor service they received from London and Country Mortgages Ltd (L&C) when they were completing on a house purchase and used L&C as a mortgage broker. What happened In July 2019, Mr K and Miss S approached their mortgage... (3 pages)View decision -
Decision Reference DRN-3550294
17 Jun 2022 Advantage Insurance Company Limited UpheldInsuranceDRN-3550294 The complaint Miss J complains that Advantage Insurance Company Limited mishandled a claim on her motor insurance policy. Where I refer to Advantage, I include the insurance intermediary and others insofar as I hold Advantage responsible for their acts or omissions. What happen... (5 pages)View decision -
Decision Reference DRN-3402825
17 Jun 2022 Red Sands Insurance Company (Europe) Limited UpheldInsuranceDRN-3402825 The complaint Mr C’s complaint is about the refusal of a claim under his bicycle insurance policy with Red Sands Insurance Company (Europe) Limited. What happened I issued a provisional decision on this matter in March 2022, the main parts of which are copied below: “In Februar... (9 pages)View decision -
Decision Reference DRN-3104718
17 Jun 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3104718 The complaint Mr C complains that Bank of Scotland plc, trading as Halifax, blocked and then closed his accounts – and applied a fraud marker against his name. What happened Mr C had a current account with Halifax which he opened in September 2019. To help prove his address, Mr... (4 pages)View decision
