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-3665135
3 Oct 2022 Salary Finance Loans Limited UpheldConsumer CreditDRN-3665135 The complaint Mr L says Salary Finance Loans Limited irresponsibly lent to him. What happened Mr L’s complaint is about a loan provided by SFL. The loan was for £24,571 and was advanced in April 2021. Mr L complains that SFL irresponsibly lent to him. Our adjudicator upheld Mr ... (2 pages)View decision -
Decision Reference DRN-3685440
3 Oct 2022 Quilter Financial Services Ltd UpheldPensions and AnnuitiesDRN-3685440 The complaint Mrs L complains that Quilter Financial Services Ltd (Quilter) gave her unsuitable advice to switch her Personal Pension (PP) with her original provider (provider A) to a Self-Invested Personal Pension (SIPP) with another provider (provider B). Mrs L is represented... (9 pages)View decision -
Decision Reference DRN-3483363
3 Oct 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3483363 The complaint and what happened Mr K complains HSBC UK Bank Plc won’t reimburse funds he lost as a result of a scam. The full details of this complaint are well known to both parties, so I won’t repeat them here. Instead, I’ll recap the key points and focus on giving reasons fo... (2 pages)View decision -
Decision Reference DRN-3732360
3 Oct 2022 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-3732360 The complaint Mr B complains that BMW Financial Services (GB) Limited (“BMWFS”), trading as Mini Financial Services, haven’t explained how they calculated partial early settlement figures. What happened I issued my provisional decision on this complaint in September 2022. An ex... (3 pages)View decision -
Decision Reference DRN-3732937
3 Oct 2022 QIC Europe Ltd UpheldInsuranceDRN-3732937 The complaint Mr A complained that QIC Europe Ltd (“QIC”) provided an unfair settlement under his home insurance policy. What happened Mr A reported to QIC a leak which originated from his neighbour’s property. Mr A made a claim and QIC appointed a surveyor to review the damage... (3 pages)View decision -
Decision Reference DRN-3709085
3 Oct 2022 Oodle Financial Services Limited UpheldConsumer CreditDRN-3709085 The complaint Mr S complains that Oodle Financial Services Limited (“Oodle”) didn’t allow him to withdraw from a finance agreement he has with them. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll focus... (3 pages)View decision -
Decision Reference DRN-3720967
3 Oct 2022 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-3720967 The complaint Mrs S complains that the car she acquired financed through a hire purchase agreement with BMW Financial Services(GB) Limited (“BMW”) is of unsatisfactory quality. What happened Mrs S is represented in her complaint by her husband, Mr J. For the sake of simplicity ... (4 pages)View decision -
Decision Reference DRN-3417905
3 Oct 2022 Financial Administration Services Limited UpheldInvestmentsDRN-3417905 The complaint Mrs M complains that Financial Administration Services Limited trading as Fidelity International (“Fidelity”) improperly required her to provide an unnecessary and unreasonable amount of personal and financial information and incorrectly sought to rely on regulato... (7 pages)View decision -
Decision Reference DRN-3731692
3 Oct 2022 AA Underwriting Insurance Company Limited UpheldInsuranceDRN-3731692 The complaint Mr G complains about his home insurer, AA Underwriting Insurance Company Limited (AA) about poor repairs and poor service following his claim for damage to his home from a fire. References to AA include its claims’ handler, ‘T’ and its contractors. What happened I... (10 pages)View decision -
Decision Reference DRN-3568568
3 Oct 2022 Wise Payments Limited UpheldBanking and PaymentsDRN-3568568 The complaint Miss P complains that Wise Payments Limited won’t refund money she was tricked into transferring to a fraudster. What happened Miss P opened an account with Wise in May 2020. Between July and October 2020, she sent four payments totalling around £17,000 to what sh... (5 pages)View decision
