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 120936 results
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Decision Reference DRN-3507788
1 Jun 2022 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-3507788 The complaint Mr A complains that Shop Direct Finance Company Limited (“Shop Direct”) lent to him irresponsibly. He says the lending was unaffordable for him. What happened Mr A opened a catalogue shopping account with Shop Direct April 2016. It had an initial credit limit of £... (4 pages)View decision -
Decision Reference DRN-3513735
1 Jun 2022 J D Williams & Company Limited UpheldConsumer CreditDRN-3513735 The complaint Mrs C says J D Williams & Company Limited trading as Simply Be (“J D Williams”) irresponsibly lent to her. She has requested that the interest and late payment charges she paid on the account be refunded. What happened This complaint is about a catalogue shopp... (4 pages)View decision -
Decision Reference DRN-3504876
1 Jun 2022 JAJA FINANCE LTD UpheldBanking and PaymentsDRN-3504876 The complaint Mrs B complains JAJA FINANCE LTD (JAJA) incorrectly recorded a default against her credit card account. Mrs B is represented by Mr B, for ease I’ve referred to statements made by Mr B as being made by Mrs B. What happened Mrs B had a credit card account with JAJA.... (4 pages)View decision -
Decision Reference DRN-3472204
1 Jun 2022 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-3472204 The complaint Mr O has complained that Clydesdale Bank Plc trading as Virgin Money hasn’t acted in accordance with the Equality Act 2010 in making reasonable adjustments due to his disability. As a result, Mr M feels he’s been a victim of discrimination. What happened Originall... (3 pages)View decision -
Decision Reference DRN-3437425
1 Jun 2022 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3437425 The complaint Mr R complains that Tesco Personal Finance PLC trading as Tesco Bank hasn’t reimbursed transactions he made to a scam investment broker. What happened In 2017, Mr R found firm ‘P’ online. He was looking to make some extra money and P suggested it was a broker who ... (4 pages)View decision -
Decision Reference DRN-3476836
1 Jun 2022 Building Block Insurance PCC Ltd UpheldInsuranceDRN-3476836 The complaint Mrs K has complained that Building Block Insurance PCC Ltd (BBI) unreasonably and unfairly refused to pay her claim under her pet policy. What happened Mrs K has an Elite Extra Perfect Pet policy underwritten by BBI for her dog. It covers vet fees up to £4,000 per... (4 pages)View decision -
Decision Reference DRN-3513815
1 Jun 2022 AWP P&C SA UpheldInsuranceDRN-3513815 The complaint Mr G is unhappy that AWP P&C SA declined a claim he made under his home emergency policy. What happened Mr G has explained that one night in August 2020 the electrics at his property stopped working. Mr G said he didn’t have any paper documents for his home em... (4 pages)View decision -
Decision Reference DRN-3513698
1 Jun 2022 National House-Building Council UpheldInsuranceDRN-3513698 The complaint Mr and Mrs P complain that National House-Building Council (NHBC) hasn’t treated them fairly after they made a claim on their building warranty policy. What happened Mr and Mrs P brought a new build property in 2009. The property was covered by a ten-year building... (3 pages)View decision -
Decision Reference DRN-3365780
31 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3365780 The complaint Mr D complained that Everyday Lending Limited trading as Everyday Loans irresponsibly provided him with an unaffordable loan. What happened The main loan details are as follows: Date Amount Term Monthly repayment APR Total amount repayable 30/08/2016 £4,000 30 mon... (4 pages)View decision -
Decision Reference DRN-3374790
31 May 2022 Sun Life Assurance Company of Canada (U.K.) Limited UpheldPensions and AnnuitiesDRN-3374790 The complaint Ms S complains about advice given by Sun Life Assurance Company of Canada (UK) Limited (Sun Life, formerly Lincoln) to take out a Free Standing Additional Voluntary Contributions (FSAVC) plan in 1997. Ms S says she should have been informed that she would be bette... (9 pages)View decision
