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 122624 results
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Decision Reference DRN-3734833
4 Oct 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3734833 The complaint Mr D complains about Lloyds Bank PLC (“Lloyds”) for difficulties he faced when trying to update his contact details. He wants to be compensated for his inconvenience and his costs in sending repeated information. What happened Mr D opened his Lloyds account whilst... (3 pages)View decision -
Decision Reference DRN-3666213
4 Oct 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3666213 The complaint Mr S says that Loans 2 Go Limited irresponsibly lent to him. What happened Mr S’s complaint is about a loan provided by Loans 2 Go. The loan was for £1850 over 18 months and was advanced in September 2021. Mr S complains that Loans 2 Go lent irresponsibly to him. ... (2 pages)View decision -
Decision Reference DRN-3397392
4 Oct 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3397392 The complaint Mr L complains that Bank of Scotland plc trading as Halifax irresponsibly approved a credit card account application which was unaffordable. What happened Mr L says he opened the Halifax credit card account in August 2017 and says he was in financial difficulties ... (2 pages)View decision -
Decision Reference DRN-3666407
4 Oct 2022 Quilter Financial Limited UpheldPensions and AnnuitiesDRN-3666407 The complaint Mr H has complained that Quilter Financial Limited gave him unsuitable advice to transfer his existing pension policies to new arrangement on two separate occasions – in 2003 and 2010. Mr H has said that he’s suffered financial disadvantage as a result. What happe... (9 pages)View decision -
Decision Reference DRN-3623283
4 Oct 2022 Arrow Global Limited UpheldConsumer CreditDRN-3623283 The complaint Mr F complains that Arrow Global Limited unfairly declined his request to write off an outstanding debt due to his health. What happened In 2019 Arrow acquired a debt in Mr F’s name from a credit card provider I’ll call V. Mr F had been making payments of £1 a mon... (3 pages)View decision -
Decision Reference DRN-3735207
4 Oct 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3735207 The complaint Mr S complains that HSBC UK Bank Plc rejected his claim under s 74 Consumer Credit Act 1974 in respect of a faulty car. What happened Mr S has submitted a detailed timeline of events which is not disputed, but for the purposes of this decision I will give a brief ... (4 pages)View decision -
Decision Reference DRN-3713908
4 Oct 2022 Covea Insurance plc UpheldInsuranceDRN-3713908 The complaint Mrs W complains that Covea Insurance plc declined her pet insurance pre-authorisation claim. My references to Covea include its agents. What happened On 1 February 2019 Mrs W started a pet insurance policy for her dog which she renewed annually. Covea was the insu... (3 pages)View decision -
Decision Reference DRN-3571231
4 Oct 2022 Portal Financial Services LLP UpheldPensions and AnnuitiesDRN-3571231 The complaint Mr R complains about the suitability of the advice he received from Portal Financial Services LLP (Portal) to transfer a defined-benefit occupational pension scheme (OPS) he held with a former employer to a Self-Invested Personal Pension (SIPP). What happened Mr R... (6 pages)View decision -
Decision Reference DRN-3701958
4 Oct 2022 D2 Financial Solutions (UK) Ltd UpheldPensions and AnnuitiesDRN-3701958 The complaint Mr S complains about advice he was given to transfer the benefits of a defined-benefit (DB) occupational pension scheme (OPS) to a personal pension plan. He says the advice was unsuitable for him and believes this has caused him a financial loss. D2 Financial Solu... (12 pages)View decision -
Decision Reference DRN-3732948
4 Oct 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3732948 The complaint Mr M is unhappy that Bank of Scotland plc (“BOS”) reported a default to his credit file incorrectly, which meant that a mortgage application he made was rejected. What happened Mr M applied for a mortgage in November 2021. The application was rejected because of a... (3 pages)View decision
