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-3160382
23 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3160382 The complaint Mr P says AvantCredit of UK, LLC lent to him irresponsibly. What happened In March 2016 Mr P took out a 48-month instalment loan from AvantCredit for £3,800. The monthly repayment was £152.36 and the total repayable was £7,313.14. Mr P says he took out the loan to... (4 pages)View decision -
Decision Reference DRN-3306194
23 Mar 2022 Debt Managers (Services) Limited UpheldConsumer CreditDRN-3306194 The complaint Miss K complains about a default recorded on her credit file by Debt Managers (Services) Limited (DMS). What happened Miss K had an account with another business (S). On 14 October 2019 S closed Miss K’s account and recorded a default on her credit file. Miss K ha... (2 pages)View decision -
Decision Reference DRN-3390817
23 Mar 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3390817 The complaint Mr D complained that Loans 2 Go Limited irresponsibly provided him with an unaffordable loan. What happened Loans 2 Go provided a loan to Mr D as follows: Date taken Loan amount Term Monthly repayment Total amount repayable Loan status 2/1/2019 £300 18 months £67.... (4 pages)View decision -
Decision Reference DRN-3390387
23 Mar 2022 Cowley & Miller Independent Financial Services Limited UpheldPensions and AnnuitiesDRN-3390387 The complaint Mr S complains advice given by Cowley and Miller Independent Financial Services Limited to transfer the deferred benefits of his armed forces occupational pension scheme to a personal pension wasn’t in his best interests. Mr S is represented in this complaint by a... (6 pages)View decision -
Decision Reference DRN-3354160
23 Mar 2022 Metro Bank PLC UpheldBanking and PaymentsDRN-3354160 Complaint Miss A is unhappy that Metro Bank PLC (“Metro”) recorded a fraud prevention marker against her. She says that she was also a victim of a fraud and it’s unfair for Metro not to remove the marker. Background In August 2016, Miss A’s two Metro accounts received a number ... (3 pages)View decision -
Decision Reference DRN-3379218
23 Mar 2022 MotoNovo Finance Limited UpheldConsumer CreditDRN-3379218 The complaint Mr F has complained MotoNovo Finance Limited has continued to ask him to pay a hire purchase agreement after he told them he’d not taken possession of the car. What happened Mr F contacted MotoNovo in November 2019 three months after taking out a hire purchase agr... (3 pages)View decision -
Decision Reference DRN-3374180
23 Mar 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3374180 The complaint Mr H has complained that HSBC UK Bank Plc (“HSBC”) acted unfairly by continuing to apply charges to his account when he was in financial difficulty. What happened Mr H complained to HSBC about the charges applied to his account when it ought to have known he was s... (3 pages)View decision -
Decision Reference DRN-3387926
23 Mar 2022 Cofunds Limited UpheldInvestmentsDRN-3387926 The complaint Miss M complains about Cofunds Limited trading as Aegon, referred to as “Aegon” or “the business”. In short, she says: She was sent a top up form (and Illustration) to complete in order to deposit money into her ISA, but the form was long and complicated, and she... (3 pages)View decision -
Decision Reference DRN-3363946
23 Mar 2022 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-3363946 The complaint Mrs A complains that Royal & Sun Alliance Insurance Limited (RSA) has declined her home insurance claim for damage to her underground drains, has caused delays and provided poor customer service. What happened In March 2021, Mrs A contacted RSA to make a claim... (8 pages)View decision -
Decision Reference DRN-3376449
23 Mar 2022 Howard Taylor Associates UpheldPensions and AnnuitiesDRN-3376449 The complaint The complaint is about advice given to Mr W in 2011 by Howard Taylor Associates (HTA) in connection with Mr W’s pension arrangements. What happened Following advice in September 2011 from HTA, Mr W switched his personal pension plan to a SIPP (self invested person... (4 pages)View decision
