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 119464 results
-
Decision Reference DRN-3031739
13 May 2022 Fairstone Financial Management Limited UpheldPensions and AnnuitiesDRN-3031739 The complaint Mr G complained that Fairstone Financial Management Limited (FFM) advised him to transfer out of an occupational pension scheme he held with his employer, to a type of personal pension called a flexible retirement plan. The pension Mr G was transferred out of comp... (8 pages)View decision -
Decision Reference DRN-3454752
13 May 2022 Indigo Michael Limited UpheldConsumer CreditDRN-3454752 The complaint Ms W (through a representative) has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) didn’t complete enough affordability checks before approving her Safety Net facility. What happened Ms W approached SNC for a Safety Net facility in Jan... (5 pages)View decision -
Decision Reference DRN-3466719
13 May 2022 Bank of Scotland Plc UpheldMortgagesDRN-3466719 The complaint Mr and Mrs B complain that Bank of Scotland plc, trading as Halifax, declined multiple requests for a new interest rate product on their mortgage, leaving them struggling to make payments on its standard variable rate. What happened Mr and Mrs B have a mortgage wi... (5 pages)View decision -
Decision Reference DRN-3430000
13 May 2022 U K Insurance Limited UpheldInsuranceDRN-3430000 The complaint Mr P, a sole trader, complains that U K Insurance Limited trading as NIG Insurance (“UKI”) declined his claim and cancelled his property owner’s insurance policy as it considered it to be fraudulent. What happened Mr P was a sole trader who owned a property. He ha... (3 pages)View decision -
Decision Reference DRN-3473381
13 May 2022 Morses Club PLC UpheldConsumer CreditDRN-3473381 The complaint Ms B complains that Morses Club PLC (Morses) gave her loans she couldn’t afford to repay. As a result of these loans, Ms B says she was forced into a long-term cycle of debt. What happened Ms B was advanced 21 home collected loans between September 2014 and Novemb... (7 pages)View decision -
Decision Reference DRN-3473247
13 May 2022 Gain Credit LLC UpheldConsumer CreditDRN-3473247 The complaint Ms B says Gain Credit LLC (trading as Drafty) gave her a line of credit when she was already in a significant amount of debt. She said this facility put her further into debt and was unaffordable for her. What happened Ms B approached Drafty for a running credit f... (11 pages)View decision -
Decision Reference DRN-1664561
12 May 2022 Canada Square Operations Limited UpheldInsuranceDRN-1664561 The complaint Mr G complains that Canada Square Operations Limited mis-sold him a payment protection insurance ("PPI") policy. What happened This complaint is about a credit card PPI policy taken out in 2004. The policy was added to Mr G's credit card account whe... (3 pages)View decision -
Decision Reference DRN-3281807
12 May 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3281807 The complaint Mr M complains that HSBC UK Bank Plc won’t reimburse funds he lost when he fell victim to a scam. What happened Mr M had been recommended an investment broker ‘Kruger Exchange’ by his boss. He looked it up on a social media platform and saw it advertising. He che... (5 pages)View decision -
Decision Reference DRN-3476488
12 May 2022 St. James's Place Wealth Management Plc UpheldInvestmentsDRN-3476488 The complaint Mrs H complains St James’s Place Wealth Management Plc (SJP) gave her unsuitable investment advice. What happened In 2017, Mrs H received advice from SJP to invest £20,000 into an investment bond which would be held in a Loan Trust. SJP said this would help mitiga... (4 pages)View decision -
Decision Reference DRN-3353756
12 May 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3353756 The complaint Mr E complains that Santander UK Plc (Santander) has taken money from his account when he thinks it shouldn’t have. What happened In July 2020, it became apparent that a holiday Mr E had arranged through a package holiday supplier wouldn’t be able to go ahead as p... (3 pages)View decision
