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-3393586
24 Mar 2022 Cowgills Wealth Limited UpheldPensions and AnnuitiesDRN-3393586 The complaint Mrs S complains that Cowgills Wealth Limited gave her unsuitable advice to transfer deferred pension benefits from her Occupational Pension Scheme to a personal pension. When receiving advice from Cowgills, Mrs S was being represented by her husband, Mr S. She has... (9 pages)View decision -
Decision Reference DRN-3355247
24 Mar 2022 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-3355247 The complaint Mrs A is unhappy with how Shop Direct Finance Company Limited trading as Very dealt with her financial difficulties. Mr A and Mrs A have entered into an Individual Voluntary Arrangement with Company I relating to their sole and joint debts, including Mrs A’s accou... (3 pages)View decision -
Decision Reference DRN-3263305
24 Mar 2022 Amtrust Europe Limited UpheldInsuranceDRN-3263305 The complaint Mr H and Mrs H’s complaint is about Amtrust Europe Limited’s handling of a claim made under a housing warranty insurance policy. What happened Mr and Mrs H made a claim for water ingress through a housing warranty insurance policy underwritten by Amtrust. Amtrust ... (2 pages)View decision -
Decision Reference DRN-3374763
24 Mar 2022 Clydesdale Bank Plc UpheldMortgagesDRN-3374763 The complaint Mr H complains about the way that Clydesdale Bank Plc has administered his mortgage. What happened In 2013, Mr H took out a mortgage with Clydesdale. In May 2017, he asked it to switch his mortgage to a fixed rate of 1.69% for 26 months. But the switch did not occ... (5 pages)View decision -
Decision Reference DRN-3390331
24 Mar 2022 Kensington Mortgage Company Limited UpheldMortgagesDRN-3390331 The complaint Mr and Mrs B’s complaint is about a secured loan they took out with Kensington Mortgage Company Limited in 2006. They consider that, given their financial history and then current circumstances, the lending was irresponsible. This was because the loan turned some ... (5 pages)View decision -
Decision Reference DRN-3156974
24 Mar 2022 Morses Club PLC UpheldConsumer CreditDRN-3156974 The complaint Mr N says Morses Club PLC (Morses) lent to him irresponsibly. He says that he couldn’t afford the loan repayments and he had a history of poor credit. He thinks that Morses should’ve seen this and not lent to him. What happened This complaint is about five home co... (4 pages)View decision -
Decision Reference DRN-3389880
24 Mar 2022 Aviva Insurance Limited UpheldInsuranceDRN-3389880 The complaint Mr O complains that Aviva Insurance Limited unfairly avoided his motor insurance policy. What happened Mr O bought a short term car insurance policy with Aviva in January 2018. He was involved in an accident in February 2018 and made a claim on his insurance. Aviv... (4 pages)View decision -
Decision Reference DRN-3387594
23 Mar 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3387594 The complaint Mr N has complained about a loan granted to him by Everyday Lending Limited, trading as Everyday Loans, (“ELL”), which he said was unaffordable. The complaint is brought to this service on Mr N’s behalf by a claims’ management company. But for ease I have referred... (5 pages)View decision -
Decision Reference DRN-2971947
23 Mar 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2971947 The complaint Mr B complains that Vanquis Bank Limited (“Vanquis”) registered a fraud prevention marker against him without due cause. What happened Mr B held a credit card account with Vanquis from December 2019 to March 2020. During this time, Mr B utilised the credit balance... (4 pages)View decision -
Decision Reference DRN-3382066
23 Mar 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3382066 The complaint Mr T is unhappy that HSBC UK Bank Plc have decided not to refund him after he says a builder scammed him out of money. What happened Mr T employed the services of a builder who came recommended to him through an app, with endorsements from other people in his loca... (6 pages)View decision
