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 128535 results
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Decision Reference DRN-4087765
26 Apr 2023 Everyday Loans Limited UpheldConsumer CreditDRN-4087765 Complaint Mr J has complained about personal loans Everyday Lending Limited (trading as “Everyday Loans”) provided to him. He says that the loans were unaffordable and so shouldn’t have been provided to him. Background Everyday Loans initially provided Mr J with a first loan fo... (3 pages)View decision -
Decision Reference DRN-4085414
26 Apr 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4085414 Complaint Mr M has complained about personal loans Everyday Lending Limited (trading as “Everyday Loans”) provided to him. He says the loans were unaffordable and were therefore irresponsibly lent to him. Background Everyday Loans initially provided Mr M with a first loan for £... (3 pages)View decision -
Decision Reference DRN-3946378
25 Apr 2023 Black Horse Limited UpheldConsumer CreditDRN-3946378 The complaint Mrs S complains that the car she acquired financed through a hire purchase agreement with Black Horse Limited, trading as Land Rover Financial Services, wasn’t of satisfactory quality. What happened A car was supplied to Mrs S financed through a hire purchase agre... (4 pages)View decision -
Decision Reference DRN-4078842
25 Apr 2023 The Co-operative Bank Plc UpheldBanking and PaymentsDRN-4078842 The complaint Mr S has complained that The Co-operative Bank Plc (Co-op Bank) included the wrong opening times for the Everyday Extra Account travel insurance claim line. As Mr S believes that the opening times stated in the travel insurance literature on Co-op Bank’s website a... (2 pages)View decision -
Decision Reference DRN-4041079
25 Apr 2023 Close Brothers Limited UpheldConsumer CreditDRN-4041079 The complaint Mr K complains that the vehicle he acquired financed through a conditional sale agreement with Close Brothers Limited, trading as Close Brothers Motor Finance, wasn’t of satisfactory quality. What happened In May 2022 Mr K acquired a second-hand vehicle financed t... (5 pages)View decision -
Decision Reference DRN-4003187
25 Apr 2023 Great Lakes Insurance SE UpheldInsuranceDRN-4003187 The complaint Mr and Mrs P complain that Great Lakes Insurance SE lost their travel insurance claim documents and hasn’t paid their claim. My references to Great Lakes include its agents. What happened Mr and Mrs P had annual multi trip travel insurance which started on 27 Augu... (3 pages)View decision -
Decision Reference DRN-4066939
25 Apr 2023 Fairmead Insurance Limited UpheldInsuranceDRN-4066939 The complaint Ms L complains that Fairmead Insurance Limited declined a claim she made under a home insurance policy. What I’ve decided – and why I’ve considered all the available evidence and arguments to decide what’s fair and reasonable in the circumstances of this complaint... (2 pages)View decision -
Decision Reference DRN-4002867
25 Apr 2023 The Royal London Mutual Insurance Society Limited UpheldInvestmentsDRN-4002867 The complaint Mrs M says that The Royal London Mutual Insurance Society Limited mis-sold a whole of life policy to her and her late husband, Mr M. She says they were not made aware that a death benefit claim could have a value that is less than the total premiums paid into the ... (4 pages)View decision -
Decision Reference DRN-3848806
25 Apr 2023 Ageas Insurance Limited UpheldInsuranceDRN-3848806 The complaint Mr L complained that Ageas Insurance Limited (“Ageas”) has unfairly declined a buildings insurance claim, and a legal expenses insurance (“LEI”) claim. Any reference to Ageas or Mr L includes that of respective agents and representatives. What happened The backgro... (4 pages)View decision -
Decision Reference DRN-3763191
25 Apr 2023 Sapia Partners LLP UpheldInvestmentsDRN-3763191 The complaint Mr J complains that Sapia Partners LLP (“Sapia”) mis-sold him his investment in the Blackmore Bond Innovative Finance Individual Savings Account (“Blackmore Bond”). Mr J is being represented in this complaint by a claims management company (“CMC”). However, for ea... (13 pages)View decision