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 119142 results
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Decision Reference DRN-3041315
25 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3041315 The complaint Miss K complains NewDay Ltd has unfairly recorded adverse information with the credit reference agencies (“CRAs”). What happened The details of this complaint are well known to both parties, so I won’t repeat them again here in detail. But in summary: - Miss K had... (3 pages)View decision -
Decision Reference DRN-3360750
25 Mar 2022 Assetz SME Capital Limited UpheldInvestmentsDRN-3360750 The complaint Mr S complains about a fee Assetz SME Capital Limited (Assetz) has introduced on his crowdfunding account. He believes he has been treated unfairly and prevented from closing his accounts without accepting the new terms. What happened Over a number of years, Mr S ... (7 pages)View decision -
Decision Reference DRN-3396011
25 Mar 2022 Soteria Insurance Limited UpheldInsuranceDRN-3396011 The complaint Ms H is unhappy with Soteria Insurance Limited’s handling and settlement of a claim she made for subsidence damage to her property. What happened I issued a provisional decision on this complaint in October 2021, explaining that I intended to partially uphold it. ... (11 pages)View decision -
Decision Reference DRN-3392720
25 Mar 2022 Key Retirement Solutions Limited UpheldMortgagesDRN-3392720 The complaint Mrs F’s complaint is that a lifetime mortgage sold to Mrs F and the late Mr F in 2003 by Key Retirement Solutions Limited was mis-sold. This is because Mrs F’s attorney doesn’t believe Mrs F and the late Mr F needed most of the money borrowed. He also doesn’t beli... (7 pages)View decision -
Decision Reference DRN-3207569
25 Mar 2022 Morses Club PLC UpheldConsumer CreditDRN-3207569 The complaint Ms H says Morses Club PLC lent to her irresponsibly. She says that she was in financial difficulty when Morses approved the loans. She thinks that it should’ve seen this and not lent to her. What happened This complaint is about seven home collected loans Morses p... (4 pages)View decision -
Decision Reference DRN-3388295
25 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3388295 Complaint Miss G has complained about a loan AvantCredit of UK, LLC (“Avant Credit”) provided to her. She says the loan was provided at a time when she was already struggling and couldn’t afford the payments. Background Avant Credit provided Miss G with a loan for £1,000.00 in ... (2 pages)View decision -
Decision Reference DRN-3369614
25 Mar 2022 Retail Money Market Ltd UpheldConsumer CreditDRN-3369614 Complaint Mr S complains that Retail Money Market Ltd (trading as “Ratesetter”) overcharged him when he settled a Non-commercial peer-to-peer loan in July 2019. Background and my provisional decision of 24 February 2022 Mr S was provided with a Non-commercial peer-to-peer loan ... (10 pages)View decision -
Decision Reference DRN-3189914
24 Mar 2022 County Capital Wealth Management Limited UpheldPensions and AnnuitiesDRN-3189914 The complaint Mr J complains that he was given unsuitable advice by County Capital Wealth Management Limited trading as The Pension Review Service (‘CC’) to transfer the benefits from his defined-benefit (‘DB’) scheme with British Steel (‘BSPS’) to a personal pension. What happ... (9 pages)View decision -
Decision Reference DRN-3362572
24 Mar 2022 Barclays Bank UK PLC UpheldMortgagesDRN-3362572 The complaint Mr N and Mrs M have complained about the index-linked valuation Barclays Bank UK PLC used in May 2020 when they wanted to apply for a new rate on their existing mortgage. They say the index-linked valuation figure was lower than the true value of the property, and... (5 pages)View decision -
Decision Reference DRN-3345553
24 Mar 2022 Wellington Court Financial Services Limited UpheldPensions and AnnuitiesDRN-3345553 The complaint Mr T has complained about the transfer of his personal pension to a self-invested personal pension (“SIPP”) in 2015. His transfer proceeds were put into property-based investments that appear to have all failed. He holds Wellington Court Financial Services Limited... (16 pages)View decision
