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 118878 results
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Decision Reference DRN-3282594
13 May 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3282594 The complaint A partnership I’ll call ‘T’ complains that HSBC UK Bank Plc unfairly declined its application for a Bounce Back Loan (BBL). The complaint is brought on T’s behalf by one of the partners, Mr P. What happened T had a business account with HSBC. It applied for a BBL ... (3 pages)View decision -
Decision Reference DRN-3478504
13 May 2022 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3478504 The complaint Mrs B has complained that Tesco Personal Finance Plc (“Tesco Bank”) has unfairly declined her claim under section 75 of the Consumer Credit Act 1974 (“CCA”). What happened Mr and Mrs B had an existing membership with C and were invited to Tenerife for a “free holi... (9 pages)View decision -
Decision Reference DRN-3455974
13 May 2022 Aviva Insurance Limited UpheldInsuranceDRN-3455974 The complaint Mr W, a sole trader, has complained about his commercial motor trade insurer, Aviva Insurance Limited, because it has declined his claim made for damage to his property caused by corroded fuel lines (for vehicle fuel pumps), which he believes resulted from leaking... (6 pages)View decision -
Decision Reference DRN-3478401
13 May 2022 esure Insurance Limited UpheldInsuranceDRN-3478401 The complaint Ms T has complained about her motor insurer esure Insurance Limited (Esure) in respect of it accepting a claim against her policy from another driver after she had bumped into the rear of their car. She feels Esure’s engineer lied to her about the damage to her ca... (4 pages)View decision -
Decision Reference DRN-3213290
13 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3213290 The complaint Mr C is unhappy that Everyday Lending Limited trading as Everyday Loans (EDL), provided him with a loan that he couldn’t afford to repay. What happened In June 2019, EDL provided Mr C with a loan for £2,500. The APR was 127.1%, the loan term 36 months, the total a... (4 pages)View decision -
Decision Reference DRN-3203023
13 May 2022 Morses Club PLC UpheldConsumer CreditDRN-3203023 The complaint Ms M, through a representative, complains that Morses Club PLC lent to her irresponsibly. What happened Using information from Morses, here is a brief table showing the approved loans. loan date taken date repaid amount borrowed term weekly rate 1 20/08/2015 17/03... (5 pages)View decision -
Decision Reference DRN-3284602
13 May 2022 Vitality Health Limited UpheldInsuranceDRN-3284602 The complaint Mrs M complains that Vitality Health Limited misled her when she made a claim against her private medical insurance plan. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here in full. In summary, Mrs M has m... (3 pages)View decision -
Decision Reference DRN-3474583
13 May 2022 Fairmead Insurance Limited UpheldInsuranceDRN-3474583 The complaint Mr D and Mr A have complained about Fairmead Insurance Limited as two claims on the policy Mr D holds with it haven’t been accepted or settled, and Fairmead says that if they are, settlement will be proportional because the property is underinsured. I am aware tha... (6 pages)View decision -
Decision Reference DRN-3477580
13 May 2022 Bamboo Limited UpheldConsumer CreditDRN-3477580 The complaint Mr F complains that Bamboo Limited (“Bamboo”) lent to him in an irresponsible manner. What happened Mr F was given 3 loans by Bamboo. He borrowed £3000 in August 2017 and agreed to repay this over 36 months. He refinanced that loan in January 2019 and took additio... (4 pages)View decision -
Decision Reference DRN-3478157
13 May 2022 Shawbrook Bank Limited UpheldConsumer CreditDRN-3478157 The complaint Mr and Mrs Z has complained that they are unhappy with Shawbrook Bank Limited’s offer of settlement for their claim against it under Section 75 of the Consumer Credit Act 1974. What happened Mr and Mrs Z bought solar panels for their home in 2015. The purchase was... (3 pages)View decision
