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 120436 results
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Decision Reference DRN-3236326
26 May 2022 One Call Insurance Services Limited UpheldInsuranceDRN-3236326 The complaint Mr R is unhappy with the way One Call Insurance Services sold his accident policy. What happened Mr R sourced a home insurance policy online in March 2020. He added accident insurance to that policy and this complaint is focussed on that particular element. Mr R s... (2 pages)View decision -
Decision Reference DRN-3362025
26 May 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3362025 Complaint V, a limited company represented by Mr S, complains that Barclays Bank UK PLC didn’t do more to protect it when it was targeted by a scam. Background The facts of this case are well known to both parties, so I’ll only set them out briefly. V has an account with Barcla... (4 pages)View decision -
Decision Reference DRN-3492935
26 May 2022 Domestic & General Insurance Plc UpheldInsuranceDRN-3492935 The complaint Mr S is unhappy with how Domestic & General Insurance Plc (D&G) handled his claim on his accidental damage policy for a damaged TV. What happened Mr S took out accidental damage cover through D&G in October 2020. In June 2021 he submitted a claim for a... (4 pages)View decision -
Decision Reference DRN-3330758
26 May 2022 J D Williams & Company Limited UpheldConsumer CreditDRN-3330758 The complaint Mr M says J D Williams & Company Limited (“J D Williams”) irresponsibly lent to him. He has requested that not only should the interest and late payment charges he paid on the accounts be refunded but he also thinks the debt should be written off. What happene... (3 pages)View decision -
Decision Reference DRN-3453990
26 May 2022 Gain Credit LLC UpheldConsumer CreditDRN-3453990 The complaint Mr C has complained that Gain Credit LLC (trading as Lending Stream) allowed a fraudulent account to be opened in his name. What happened In late 2017, a small short-term loan was taken out in Mr C’s name. Lending Stream received no repayments. They wrote to Mr C ... (3 pages)View decision -
Decision Reference DRN-3472700
26 May 2022 Hyundai Capital UK Limited UpheldConsumer CreditDRN-3472700 The complaint Mr J complains that Hyundai Capital UK Limited trading as Hyundai Finance (Hyundai) irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In January 2019, Mr J acquired a used car financed by a conditional sale from Hyun... (3 pages)View decision -
Decision Reference DRN-3366773
26 May 2022 Xbridge Limited UpheldInsuranceDRN-3366773 The complaint Mr S says Xbridge Limited didn’t provide accurate information about a tenant default insurance policy he took out through it. And that led to a subsequent claim he made on the policy being declined. What happened Mr S is a landlord. In July 2016 he took out a ‘Lan... (3 pages)View decision -
Decision Reference DRN-3180207
26 May 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3180207 The complaint Mr K complains that Lloyds Bank PLC won’t refund money he lost when he fell victim to a scam. What happened In July 2020 Mr K fell victim to a scam. Both parties are aware of the circumstances of the complaint, so I won’t repeat them all in great detail here. But ... (8 pages)View decision -
Decision Reference DRN-3278081
26 May 2022 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-3278081 The complaint Mr M is unhappy that The Royal Bank of Scotland Plc (“RBS”) reported a search to his credit file without just cause. What happened In January 2021, Mr M noticed that RBS had registered a beneficiary trace enquiry on his credit file a few months earlier, In October... (2 pages)View decision -
Decision Reference DRN-3473661
26 May 2022 Lendable Ltd UpheldConsumer CreditDRN-3473661 The complaint Mr V has complained that Lendable Ltd was irresponsible in lending to him. What happened In August 2021 Lendable provided Mr V with a loan of £5,000 repayable over 24 months. The monthly repayments were £293.08. After he struggled to repay the loan, Lendable put i... (3 pages)View decision
