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 120327 results
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Decision Reference DRN-3550118
28 Jun 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3550118 The complaint Mr D complained that Everyday Lending Limited trading as Everyday Loans lent to him irresponsibly and provided him with an unaffordable loan. What happened Everyday Loans provided a loan to Mr D as follows: Date taken Loan amount Term Typical monthly repayment Tot... (6 pages)View decision -
Decision Reference DRN-3502265
28 Jun 2022 Domestic & General Insurance Plc UpheldInsuranceDRN-3502265 The complaint Miss F has complained that Domestic & General Insurance Plc (‘D&G’) declined to pay the full replacement value for a boiler under her boiler and system insurance policy. What happened Miss F renewed her boiler and system insurance with D&G in January 2... (4 pages)View decision -
Decision Reference DRN-3537199
28 Jun 2022 The Car Finance Company (2007) Ltd UpheldConsumer CreditDRN-3537199 The complaint Miss B and Mr H complain that The Car Finance Company (2007) Ltd (TCFC) irresponsibly granted them a hire purchase agreement they couldn’t afford to repay. What happened In August 2016, Miss B and Mr H acquired a used car financed by a hire purchase agreement from... (2 pages)View decision -
Decision Reference DRN-3435431
28 Jun 2022 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-3435431 The complaint Mr J complains that Mercedes-Benz Financial Services UK Limited (MBFS) wrongly charged him for damage to a lease vehicle. What happened In January 2020 Mr J entered into a lease agreement with MBFS for a van. He was to pay a little over £350 a month for 36 months.... (3 pages)View decision -
Decision Reference DRN-3534027
28 Jun 2022 Tesco Personal Finance PLC UpheldConsumer CreditDRN-3534027 The complaint Mr K complains about information provided by Tesco Personal Finance PLC when he called to talk about arrears on his loan. What happened Mr K had a loan with Tesco. In September 2021 Mr K called Tesco after receiving a letter concerning arrears on his loan. At the... (4 pages)View decision -
Decision Reference DRN-3500146
28 Jun 2022 U K Insurance Limited UpheldInsuranceDRN-3500146 The complaint Mrs D has complained about the service provided by UK Insurance Limited (‘UKI’) and that it failed to reimburse legal costs under her home insurance policy following an incident. What happened Work was being carried out by the landlord’s insurers in November 2020 ... (4 pages)View decision -
Decision Reference DRN-3565518
28 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3565518 The complaint Mrs O complains that NewDay Ltd trading as Fluid Mastercard lent irresponsibly when it approved her credit card application and went on to increase the credit limit. What happened Mrs O applied for a Fluid credit card in March 2020. Mrs O’s application said she wa... (3 pages)View decision -
Decision Reference DRN-3503290
28 Jun 2022 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-3503290 The complaint Ms H, through a representative, says Shop Direct Finance Company Limited, trading as Very, irresponsibly lent to her. What happened Ms H applied for a catalogue shopping account in September 2017. Shop Direct accepted her application and gave her an initial credit... (2 pages)View decision -
Decision Reference DRN-3542330
28 Jun 2022 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-3542330 The complaint Ms L and Ms L (mother and daughter) complain about their insurer, Royal & Sun Alliance Insurance Limited (RSA) declining a claim under their home insurance policy and avoiding the policy when they became aware a business was being carried out at their property... (7 pages)View decision -
Decision Reference DRN-3566282
28 Jun 2022 United National Bank Limited UpheldBanking and PaymentsDRN-3566282 The complaint Mr P complains about United National Bank Limited trading as UBL UK (“UBL”) due to the time it is taking them to transfer his funds following maturity of his cash ISA. What happened Mr P is a customer of UBL and held a cash ISA product with them. The ISA matured i... (3 pages)View decision
