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 122580 results
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Decision Reference DRN-3473744
2 Aug 2022 Marks & Spencer Financial Services plc UpheldConsumer CreditDRN-3473744 The complaint Mrs B complained to Marks & Spencer Financial Services plc (“MSFS”) that it didn’t treat her fairly when it declined to lend to her in 2021. What happened Mrs B applied to MSFS for a loan of £19,130 in 2021. The purpose of the loan was to consolidate a credit ... (2 pages)View decision -
Decision Reference DRN-3213827
2 Aug 2022 Number One Police Credit Union Limited UpheldConsumer CreditDRN-3213827 The complaint Mr A is unhappy that Number One Police Credit Union Limited (trading as No 1 CopperPot Credit Union) provided him with loans that were unaffordable. What happened Mr A took out a number of loans with CopperPot Credit Union (CPCU), on the following basis: Loan numb... (8 pages)View decision -
Decision Reference DRN-3625753
2 Aug 2022 Quilter Financial Limited UpheldPensions and AnnuitiesDRN-3625753 The complaint Mr S complains an appointed representative of Quilter Financial Limited gave him unsuitable advice to move one of his pensions to a self-invested personal pension (SIPP) to invest in a high-risk investment. What happened Mr S says he received a cold call from an u... (9 pages)View decision -
Decision Reference DRN-3613935
2 Aug 2022 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3613935 The complaint Miss M complains that a used car she got with a hire purchase agreement (HPA) from Creation Consumer Finance Limited (CCFL) was of unsatisfactory quality. Miss M is represented by a relative but I’ll refer to everything that’s been said on her behalf as if Miss M ... (4 pages)View decision -
Decision Reference DRN-3190957
2 Aug 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3190957 The complaint Mr C complains that Bank of Scotland plc trading as Halifax (Bank of Scotland) won’t refund the money he lost when he was the victim of a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat it in detail here. But i... (4 pages)View decision -
Decision Reference DRN-3626928
2 Aug 2022 Liverpool Victoria Insurance Company Limited UpheldInsuranceDRN-3626928 The complaint Mr W has complained about Liverpool Victoria Insurance Company Limited’s (LV’s) handling of a claim he made under his specialist motor insurance policy. What happened The details of this complaint are well known to both parties, so I will not repeat them again in ... (3 pages)View decision -
Decision Reference DRN-3624220
2 Aug 2022 Belmont Green Finance Limited UpheldMortgagesDRN-3624220 The complaint Ms A complains that Belmont Green Finance Limited trading as Vida Homeloans (“Vida”) charged her too much interest on her interest-only buy to let mortgage, which meant she was left with a larger redemption figure than she was expecting at the end. What happened M... (4 pages)View decision -
Decision Reference DRN-3597102
2 Aug 2022 Advantage Insurance Company Limited UpheldInsuranceDRN-3597102 The complaint Mrs I complains about the way Advantage Insurance Company Limited (Advantage) handled a claim on her car insurance policy. What happened In March 2020, Mrs I had an accident in her car involving a third-party driver. Mrs I notified Advantage of the accident and it... (3 pages)View decision -
Decision Reference DRN-3626723
2 Aug 2022 Barclays Bank UK PLC UpheldMortgagesDRN-3626723 The complaint Mr K, Mrs K, Miss A1 and Miss A2 complain that Barclays Bank UK PLC applied an early repayment charge (ERC) when they redeemed their mortgage. What happened In 2018, Mr K, Mrs K, Miss A1 and Miss A2 took out a mortgage with Barclays on Property A. The mortgage was... (4 pages)View decision -
Decision Reference DRN-3626707
2 Aug 2022 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3626707 The complaint Mr H has complained that Creation Consumer Finance Ltd rejected his claim against it under Section 75 of the Consumer Credit Act 1974. What happened Mr H bought solar panels for his home in 2015. The purchase was funded by a loan from Creation, and that business i... (4 pages)View decision
