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
-
Decision Reference DRN-3415872
13 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3415872 The complaint Mr P complains that NewDay Ltd trading as Amazon Classic MasterCard was irresponsible in increasing the credit limit of his credit card account. What happened Mr P opened a credit card account with NewDay in July 2019 with a credit limit of £500. In August 2020 hi... (3 pages)View decision -
Decision Reference DRN-2882021
13 May 2022 Portal Financial Services LLP UpheldPensions and AnnuitiesDRN-2882021 The complaint Mr D has complained about advice he received from Portal Financial Services LLP (‘Portal’) in relation to a defined benefit occupational pension scheme (‘OPS’) that he held with his former employer. Portal processed the transfer of Mr D’s OPS benefits on an ‘insis... (15 pages)View decision -
Decision Reference DRN-3415264
13 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3415264 The complaint Miss S, who is represented by a claims management company (CMC), complains that NewDay Ltd trading as Argos Classic Credit Card were irresponsible in agreeing to a credit card account and later increasing her limit. What happened The details of this complaint are ... (2 pages)View decision -
Decision Reference DRN-3477511
13 May 2022 AWP P&C SA UpheldInsuranceDRN-3477511 The complaint Mr M complains that AWP P&C SA has turned down a curtailment claim he made on a travel insurance policy. What happened In March 2018, Mr M booked a holiday to a country I’ll call N. He was due to travel between 15 and 31 March 2020. On 29 October 2019, Mr M to... (4 pages)View decision -
Decision Reference DRN-3031739
13 May 2022 Fairstone Financial Management Limited UpheldPensions and AnnuitiesDRN-3031739 The complaint Mr G complained that Fairstone Financial Management Limited (FFM) advised him to transfer out of an occupational pension scheme he held with his employer, to a type of personal pension called a flexible retirement plan. The pension Mr G was transferred out of comp... (8 pages)View decision -
Decision Reference DRN-3454752
13 May 2022 Indigo Michael Limited UpheldConsumer CreditDRN-3454752 The complaint Ms W (through a representative) has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) didn’t complete enough affordability checks before approving her Safety Net facility. What happened Ms W approached SNC for a Safety Net facility in Jan... (5 pages)View decision -
Decision Reference DRN-3466719
13 May 2022 Bank of Scotland Plc UpheldMortgagesDRN-3466719 The complaint Mr and Mrs B complain that Bank of Scotland plc, trading as Halifax, declined multiple requests for a new interest rate product on their mortgage, leaving them struggling to make payments on its standard variable rate. What happened Mr and Mrs B have a mortgage wi... (5 pages)View decision -
Decision Reference DRN-3430000
13 May 2022 U K Insurance Limited UpheldInsuranceDRN-3430000 The complaint Mr P, a sole trader, complains that U K Insurance Limited trading as NIG Insurance (“UKI”) declined his claim and cancelled his property owner’s insurance policy as it considered it to be fraudulent. What happened Mr P was a sole trader who owned a property. He ha... (3 pages)View decision -
Decision Reference DRN-3473381
13 May 2022 Morses Club PLC UpheldConsumer CreditDRN-3473381 The complaint Ms B complains that Morses Club PLC (Morses) gave her loans she couldn’t afford to repay. As a result of these loans, Ms B says she was forced into a long-term cycle of debt. What happened Ms B was advanced 21 home collected loans between September 2014 and Novemb... (7 pages)View decision -
Decision Reference DRN-3473247
13 May 2022 Gain Credit LLC UpheldConsumer CreditDRN-3473247 The complaint Ms B says Gain Credit LLC (trading as Drafty) gave her a line of credit when she was already in a significant amount of debt. She said this facility put her further into debt and was unaffordable for her. What happened Ms B approached Drafty for a running credit f... (11 pages)View decision
