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-3746853
14 Oct 2022 Bank of Ireland (UK) Plc UpheldMortgagesDRN-3746853 The complaint Mr and Mrs M complain that Bank of Ireland (UK) Plc (“BoI”) has offered them higher interest rates on their mortgage unfairly. What happened In 2008 Mr and Mrs M took a two-year fixed rate mortgage deal with BoI. Their rate was fixed at 5.99% until December 2010. ... (6 pages)View decision -
Decision Reference DRN-3569182
14 Oct 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3569182 The complaint Ms D is unhappy Santander UK Plc won’t refund the money she lost as the result of a scam. What happened I’m not going to cover all the points raised in detail. The view of 2 December 2021 covered the details of Ms D’s testimony. But briefly Ms D’s mother told her ... (4 pages)View decision -
Decision Reference DRN-3475234
14 Oct 2022 Barclays Bank UK PLC UpheldInvestmentsDRN-3475234 The complaint Ms K complains that Barclays Bank UK Plc caused delays in transferring her general investment account “GIA” and her investment ISA “ISA” causing her financial loss. What happened The details of this complaint are well known to both parties, so I won’t repeat them ... (2 pages)View decision -
Decision Reference DRN-3646556
14 Oct 2022 British Gas Insurance Limited UpheldInsuranceDRN-3646556 The complaint Mrs C complains that British Gas Insurance Limited (British Gas) hasn’t offered enough compensation for the damage she says it caused to her property after carrying out repairs to her boiler under her home emergency cover. What happened On 9 January 2020, an engin... (8 pages)View decision -
Decision Reference DRN-3675075
14 Oct 2022 Aviva Insurance Limited UpheldInsuranceDRN-3675075 The complaint Mr R complains that Aviva Insurance Limited unfairly declined his claim on his bike insurance policy. Mr R has been represented throughout this complaint, however for ease of reading all references to Mr R include the actions of his representative. What happened M... (2 pages)View decision -
Decision Reference DRN-2784764
14 Oct 2022 Portafina Investment Management Limited UpheldPensions and AnnuitiesDRN-2784764 The complaint Miss S complains that advice given by Portafina Investment Management Limited (“Portafina”) to transfer the deferred benefits of her local government defined benefit occupational pension scheme into a self-invested personal pension wasn’t in her best interests. Mi... (7 pages)View decision -
Decision Reference DRN-3722674
14 Oct 2022 Morses Club PLC UpheldConsumer CreditDRN-3722674 The complaint Mrs R, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Mrs R was advanced five home collected loans between March 2014 and December 2017. I’ve included... (5 pages)View decision -
Decision Reference DRN-3748857
14 Oct 2022 Morses Club PLC UpheldConsumer CreditDRN-3748857 The complaint Ms B complains (through a representative) that Morses Club PLC (Morses) didn’t carry out proper affordability checks before it advanced her loans. Had it carried out proper checks it would’ve discovered Ms B couldn’t afford her loans. What happened Ms B took six l... (7 pages)View decision -
Decision Reference DRN-3297632
13 Oct 2022 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3297632 The complaint Mrs S complains that Tesco Personal Finance PLC hasn’t fairly dealt with a claim she brought against it under the connected lender liability provisions of section 75 of the Consumer Credit Act 1974 (“section 75”). What happened Mrs S had a dispute with A arising f... (4 pages)View decision -
Decision Reference DRN-3666314
13 Oct 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3666314 The complaint Ms O complains that Loans 2 Go Limited (L2G) irresponsibly lent to her. What happened L2G provided Ms O with a loan for £500 in July 2020. The loan was repayable at £114.28 per month over a term of 18 months. Ms O says L2G irresponsibly lent to her. Our adjudicato... (3 pages)View decision
