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 119142 results
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Decision Reference DRN-3329021
3 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3329021 The complaint Ms L complains that NewDay Ltd lent irresponsibly when it approved two credit cards and increased the credit limit. What happened In July 2017 Ms L applied for a Marbles branded credit card with NewDay. In the application, Ms L said she was employed and earned £1... (3 pages)View decision -
Decision Reference DRN-3459504
3 May 2022 Barclays Bank UK PLC UpheldInsuranceDRN-3459504 The complaint Mr T is unhappy that Barclays Bank UK Plc mis-sold him a bike insurance policy. What happened In May 2021, Mr T purchased a bike insurance policy to protect his two bikes. A few months later, he made a claim under this policy as his bikes were stolen. The claim wa... (3 pages)View decision -
Decision Reference DRN-3422383
3 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3422383 The complaint Mr B says Everyday Lending Limited (ELL), trading as Everyday Loans, irresponsibly lent to him. What happened This complaint is about a 24-month instalment loan for £2,000 that ELL provided to Mr B on 2 April 2015. The monthly repayments were £147.67 and the total... (3 pages)View decision -
Decision Reference DRN-3459374
3 May 2022 Ageas Insurance Limited UpheldInsuranceDRN-3459374 The complaint Mr P complained about the level of customer service he received and the delays to his claim under his home insurance policy with Ageas Insurance Limited (“Ageas”). What happened Mr P made a claim on his policy online on 24 June after heavy rainfall caused damage t... (3 pages)View decision -
Decision Reference DRN-3399795
3 May 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3399795 The complaint Mr M says AvantCredit of UK, LLC irresponsibly lent to him. What happened This complaint is about a 36-month instalment loan for £4,100 that AvantCredit provided to Mr M on 22 August 2017. The monthly repayments were £184.62 and the total repayable was £6,624.39. ... (3 pages)View decision -
Decision Reference DRN-3064933
3 May 2022 PayPal (Europe) Sarl et Cie SCA UpheldBanking and PaymentsDRN-3064933 The complaint Mr H had complained that PayPal (Europe) Sarl et Cie SCA has limited his account. What happened The details of the complaint are well known to both parties, so I will not repeat them again here. Instead, I will focus on giving the reasons for my decision. What I’v... (2 pages)View decision -
Decision Reference DRN-3304706
3 May 2022 Pinnacle Insurance Plc UpheldInsuranceDRN-3304706 The complaint Ms H has complained that Pinnacle Insurance Plc unreasonably refused to pay her pet claim. Ms H is represented by Mr A but for ease of reference I shall just refer to Ms H throughout. What happened Ms H bought a time limited pet policy for her dog on 10 October 20... (4 pages)View decision -
Decision Reference DRN-3459000
3 May 2022 Oakwood Homeloans Limited UpheldMortgagesDRN-3459000 The complaint Mr E has complained about how Oakwood Homeloans Limited has treated him since his mortgage term ended in 2016. He is a vulnerable consumer and says that Oakwood forced him to sell his house for less than it was worth due to the pressure he was placed under. He als... (6 pages)View decision -
Decision Reference DRN-3439610
3 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3439610 The complaint Ms G says Everyday Lending Limited (ELL), trading as Everyday Loans, irresponsibly lent to her. What happened This complaint is about a 24-month instalment loan for £2,000 that ELL provided to Ms G on 13 October 2015. The monthly repayments were £198.27 and the to... (3 pages)View decision -
Decision Reference DRN-3359518
3 May 2022 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-3359518 The complaint Mr B complains about the quality of a car he acquired through a hire purchase agreement financed by BMW Financial Services (GB) Limited trading as Alphera Financial Services (BMW). What happened In December 2020 Mr B acquired a used car through a hire purchase ag... (4 pages)View decision
