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 125400 results
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Decision Reference DRN-3880228
5 Jan 2023 Advantage Insurance Company Limited UpheldInsuranceDRN-3880228 The complaint Mr W is unhappy with the liability decision Advantage Insurance Company Limited reached on his motor insurance claim and with the service they provided. What happened In May 2021 Mr W was involved in a collision with another vehicle. He was exiting a car park via ... (3 pages)View decision -
Decision Reference DRN-3882900
5 Jan 2023 British Gas Insurance Limited UpheldInsuranceDRN-3882900 The complaint Mr and Mrs R complains that British Gas Insurance Limited (BG) failed to provide an adequate service under their HomeCare policy and gave them very poor customer service. What happened I set out the background to the complaint within my provisional decision and al... (4 pages)View decision -
Decision Reference DRN-3744712
5 Jan 2023 True Potential Wealth Management LLP UpheldPensions and AnnuitiesDRN-3744712 The complaint Mr M complains about the advice given by True Potential Wealth Management LLP to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a self- invested personal pension (‘SIPP’). Mr M says that the alternatives he had were not fully ... (12 pages)View decision -
Decision Reference DRN-3856500
5 Jan 2023 Indigo Michael Limited UpheldConsumer CreditDRN-3856500 The complaint Mr L complains that Indigo Michael Limited trading as Safety Net irresponsibly approved and increased his credit limit on an open-ended credit facility. What happened Safety Net approved the facility for Mr L in December 2019 with a £200 credit limit. Safety Net g... (3 pages)View decision -
Decision Reference DRN-3828643
5 Jan 2023 Indigo Michael Limited UpheldConsumer CreditDRN-3828643 The complaint Mr A (through a representative) has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) didn’t complete enough affordability checks before providing him for a Safety Net facility. Had it carried out proportionate checks it would’ve discover... (4 pages)View decision -
Decision Reference DRN-3865125
5 Jan 2023 Morses Club PLC UpheldConsumer CreditDRN-3865125 The complaint Mr L complains that Morses Club PLC (Morses) Morses gave him a loan he couldn’t afford to repay because at the time he had other short-term loans that needed repaying. What happened Mr L took one £400 loan from Morses on 31 January 2022. Mr L was due to make 35 we... (5 pages)View decision -
Decision Reference DRN-3878164
5 Jan 2023 Standard Life Assurance Limited UpheldPensions and AnnuitiesDRN-3878164 The complaint Mr N complains that Standard Life Assurance Limited and its agents didn’t pursue the signing of a lease he’d agreed with the tenants of a commercial property held in his SIPP (Self Invested Personal Pension). He says this resulted in the tenant leaving the propert... (7 pages)View decision -
Decision Reference DRN-3881958
5 Jan 2023 Santander UK Plc UpheldBanking and PaymentsDRN-3881958 The complaint Mrs C is unhappy about the fee she was charged by Santander UK Plc when she transferred money to her current account. What happened In September 2021, Mrs C says she went into a Santander branch and called Santander to enquire about transferring 76,000 Euros from ... (4 pages)View decision -
Decision Reference DRN-3792449
5 Jan 2023 Advanced Payment Solutions Limited UpheldBanking and PaymentsDRN-3792449 The complaint Mr S complains about the actions of Advanced Payment Solutions Limited trading as Cashplus when he was the victim of a scam. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of th... (3 pages)View decision -
Decision Reference DRN-3875100
5 Jan 2023 East End Fair Finance Limited UpheldConsumer CreditDRN-3875100 The complaint Mr M complains that East End Fair Finance Limited trading as Fair Finance was irresponsible to lend to him. What happened Fair Finance agreed three loans for Mr M in 2021. The first was for £230 agreed in January, to be repaid over 6 months at £46 a month. The sec... (5 pages)View decision
