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 123872 results
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Decision Reference DRN-3683782
27 Oct 2022 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3683782 The complaint Mr P complains about the quality of a car he bought using a hire purchase agreement with Creation Consumer Finance Ltd. He wants to reject the car. What happened Mr P entered into a hire purchase agreement with Creation in early 2021. The car he got was just over ... (3 pages)View decision -
Decision Reference DRN-3775067
27 Oct 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3775067 The complaint Miss B complains that AvantCredit of UK, LLC irresponsibly lent her money on high cost loans that she couldn’t afford to repay. What happened AvantCredit provided Miss B with the following loans: Date of loan Amount Repayment period Monthly instalments Date repaid... (4 pages)View decision -
Decision Reference DRN-3775279
27 Oct 2022 Monzo Bank Ltd UpheldBanking and PaymentsDRN-3775279 The complaint Mr R is unhappy that Monzo Bank Ltd won’t refund the money he lost after falling victim to a scam. What happened Mr R says he was looking for a pet. He went online and via a known advertising website came across an advert for puppies for sale. Mr R contacted the s... (6 pages)View decision -
Decision Reference DRN-3684914
27 Oct 2022 Niche Independent Financial Advisers Limited UpheldPensions and AnnuitiesDRN-3684914 The complaint Mr W complained that he was given unsuitable advice to transfer his defined benefit (DB) British Steel Pension Scheme (BSPS), to a personal pension plan. Niche Independent Financial Advisers Limited is responsible for answering this complaint and so to keep things... (11 pages)View decision -
Decision Reference DRN-3764026
27 Oct 2022 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-3764026 The complaint Miss P has complained that Sainsbury’s Bank Plc (“Sainsbury’s”) irresponsibly lent to her. What happened Miss P opened a credit card account with Sainsbury’s in December 2010. Her credit limit was initially £1,850. In June 2012 Miss P’s credit limit was increased ... (4 pages)View decision -
Decision Reference DRN-3773332
27 Oct 2022 Clydesdale Bank Plc UpheldInvestmentsDRN-3773332 The complaint Mr H is complaining about his cash ISA bond which was rolled over to another series upon maturity. He says Clydesdale Bank Plc, trading as Yorkshire Bank (‘Yorkshire Bank’), acted against his wishes. Mrs H is complaining on behalf of her husband but for ease I sha... (5 pages)View decision -
Decision Reference DRN-3696680
27 Oct 2022 Portal Financial Services LLP UpheldPensions and AnnuitiesDRN-3696680 The complaint Mr O complains about advice he was given to transfer the benefits of a defined-benefit (DB) occupational pension scheme (OPS) to a self-invested personal pension (SIPP). He says the advice was unsuitable for him and believes this has caused him a financial loss. P... (8 pages)View decision -
Decision Reference DRN-3775597
27 Oct 2022 Standard Life Assurance Limited UpheldPensions and AnnuitiesDRN-3775597 The complaint Mr P complains that Standard Life Assurance Limited (SLAL) took too long to arrange the switch of his pension to another provider. He says this led to a financial loss. It should be noted that Mr P’s adviser also asked this service to consider his own complaint ab... (10 pages)View decision -
Decision Reference DRN-3225366
27 Oct 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3225366 The complaint X complains that his application for a Premier account debit card was refused in error and that incorrect information has been recorded on his credit file by Barclays Bank UK PLC. What happened On 18 May 2021, X applied for a Premier account online but had some is... (3 pages)View decision -
Decision Reference DRN-3775582
27 Oct 2022 Great Lakes Insurance SE UpheldInsuranceDRN-3775582 The complaint Mr D is unhappy with the amount Great Lakes Insurance SE offered him when he says he couldn’t use his travel insurance policy. All reference to Great Lakes includes its agents. What happened Mr D bought an annual multi-trip travel insurance policy, underwritten by... (6 pages)View decision
