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 118878 results
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Decision Reference DRN-3420876
11 Apr 2022 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3420876 The complaint Mr K complains that a car he acquired via a conditional sale agreement with Moneybarn No.1 Limited wasn’t of satisfactory quality. What happened In October 2020 Mr K entered into a 60-month conditional sale agreement with Moneybarn for a used car. The car was arou... (4 pages)View decision -
Decision Reference DRN-3390556
11 Apr 2022 Watford Insurance Company Europe Limited UpheldInsuranceDRN-3390556 The complaint Mr D complains that Watford Insurance Company Europe Limited unfairly declined his bicycle insurance claim. What happened Around September 2021, Mr D’s bicycle was stolen from the communal bicycle storage room of the apartment building where he lives. Mr D says hi... (3 pages)View decision -
Decision Reference DRN-3419677
11 Apr 2022 Quilter Financial Limited UpheldPensions and AnnuitiesDRN-3419677 The complaint Mr H complains an appointed representative of Quilter Financial Limited gave him unsuitable advice to move his pension to a self-invested personal pension (SIPP) where his funds were overseen by a discretionary fund management service. What happened Mr H’s indepen... (12 pages)View decision -
Decision Reference DRN-3370494
11 Apr 2022 John Lewis Financial Services Limited UpheldBanking and PaymentsDRN-3370494 The complaint Mrs P is unhappy with how John Lewis Financial Services Limited (‘JLF’) responded to her dispute about a service she had paid for using her JLF credit card. What happened As part of a holiday booking Mrs P used her JLF credit card to pay an airline for pre-booked ... (3 pages)View decision -
Decision Reference DRN-3427403
11 Apr 2022 Al Rayan Bank PLC UpheldInvestmentsDRN-3427403 The complaint Mr K complains that Al Rayan bank PLC (Al Rayan) made errors in opening a 24-month fixed deposit. What happened On 24 June 2020, Mr K applied to Al Rayan to open a 24-month fixed deposit at a profit rate of 1.41%. He said he would deposit £50,000 in the account. T... (4 pages)View decision -
Decision Reference DRN-3427348
11 Apr 2022 Amtrust Europe Limited UpheldInsuranceDRN-3427348 The complaint Mrs G is unhappy with the handling and decline of a claim she made to Amtrust Europe Limited. She’s also unhappy Amtrust has backdated removal of subsidence cover from her policy. What happened Mrs G owns a property which she lets out to tenants. She’s insured the... (7 pages)View decision -
Decision Reference DRN-3280143
11 Apr 2022 St Andrew's Insurance plc UpheldInsuranceDRN-3280143 The complaint Miss M has complained that St Andrew’s Insurance Plc has declined a claim she made for unemployment on her mortgage payment protection insurance policy. What happened Miss M had made a previous claim for unemployment that ended in July 2021, having paid out for th... (2 pages)View decision -
Decision Reference DRN-3196348
11 Apr 2022 Sainsbury's Bank Plc UpheldConsumer CreditDRN-3196348 The complaint Miss T complains Sainsbury’s Bank plc (Sainsbury’s) failed to keep to its agreement to spread a missed loan payment over the remaining term of her loan account. What happened Miss T says she approached Sainsbury’s in early March 2021 as she was struggling to meet ... (4 pages)View decision -
Decision Reference DRN-3419395
11 Apr 2022 Close Brothers Limited UpheldConsumer CreditDRN-3419395 The complaint Mr P complains about the quality of a car he has been financing through an agreement with Close Brother Limited (“Close Brothers”). What happened I issued my provisional decision on this complaint in March 2022. An extract from that provisional decision is set out... (3 pages)View decision -
Decision Reference DRN-3348568
11 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3348568 The complaint Ms C has complained that Everyday Lending Limited was irresponsible in lending to her. What happened In December 2018 Everyday Lending provided Ms C with a loan of £5,000 repayable over 36 months with a monthly repayment of £279.35. The loan was repaid in November... (3 pages)View decision
