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-4033883
20 Apr 2023 U K Insurance Limited UpheldInsuranceDRN-4033883 The complaint Mrs R has complained about the way U K Insurance Limited dealt with a claim she made in 2017 and issues she has continued to have with damage to her home. Mrs R made a claim for an escape of water under her home and buildings insurance policy. What happened In 201... (2 pages)View decision -
Decision Reference DRN-4032927
20 Apr 2023 QIC Europe Ltd UpheldInsuranceDRN-4032927 The complaint Mr and Mrs K have complained about QIC Europe Ltd’s decision to reject a claim they made for storm damage to their roof under their home buildings insurance policy. What happened Mr and Mrs K made a claim to QIC for damage to their roof following a named storm. QI... (3 pages)View decision -
Decision Reference DRN-4039175
20 Apr 2023 Gain Credit LLC UpheldConsumer CreditDRN-4039175 The complaint Mr B complains Gain Credit LLC (trading as Drafty) gave him a line of credit without carrying out sufficient affordability checks. Mr B says had better checks been carried out, Drafty would’ve realised he had several outstanding payday loans and so couldn’t afford... (4 pages)View decision -
Decision Reference DRN-4032529
20 Apr 2023 Wakam UpheldInsuranceDRN-4032529 The complaint Complaint Mr and Mrs M have complained that Wakam won’t provide a partial refund for the period they were dually insured. Mr and Mrs M held a home insurance policy with Wakam,. What happened Mr and Mrs M discovered that after buying a home insurance policy with Wa... (2 pages)View decision -
Decision Reference DRN-4053739
20 Apr 2023 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-4053739 The complaint Mr D complains about credit granted to him by Santander Consumer (UK) Plc (trading as Santander Consumer Finance). What happened Santander agreed credit of £8,800 for Mr D on 20 March 2017 in order for him to acquire a car. The cash price of the car was £10,000. ... (3 pages)View decision -
Decision Reference DRN-3957748
20 Apr 2023 PayrNet Limited UpheldBanking and PaymentsDRN-3957748 The complaint Ms A complained that PayrNet Limited blocked and then closed her account and withheld access to her funds. What happened Ms A had an account with one of PayrNet’s electronic money agents. To keep things simple, I’ll refer to PayrNet in this decision. In January 20... (3 pages)View decision -
Decision Reference DRN-4076582
20 Apr 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4076582 Complaint Miss R has complained about a loan Everyday Lending Limited (trading as “Everyday Loans”) provided to her. She says the loan was unaffordable and therefore shouldn’t have been provided to her in the first place. Background Everyday Loans provided Miss R with a loan fo... (3 pages)View decision -
Decision Reference DRN-4009619
20 Apr 2023 HDI Global Specialty SE UpheldInsuranceDRN-4009619 The complaint A company I will refer to as L complains that ADI Global Speciality SE (ADI) incorrectly increased its premium under its commercial property insurance policy. What happened L had a legal dispute with a customer regarding a debt that was owed to it. This began in D... (3 pages)View decision -
Decision Reference DRN-4086055
20 Apr 2023 Santander UK Plc UpheldBanking and PaymentsDRN-4086055 The complaint Ms S is unhappy Santander UK Plc (Santander) closed her accounts without any notice. She is also unhappy with the service she received following the accounts being closed. What happened The key facts of this complaint are known to both sides, so I will summarise t... (6 pages)View decision -
Decision Reference DRN-4088862
20 Apr 2023 British Gas Insurance Limited UpheldInsuranceDRN-4088862 The complaint Mr and Mrs L are unhappy with British Gas Insurance Limited’s (British Gas) handling of claims made for leaks at their property. What happened Mr and Mrs L have a Home Care policy with British Gas. The policy covers, amongst other things, problems with plumbing an... (9 pages)View decision