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 125299 results
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Decision Reference DRN-3777465
28 Oct 2022 N26 Bank GmbH UpheldBanking and PaymentsDRN-3777465 The complaint Mr H complains that N26 Bank GmbH unfairly lodged a marker with CIFAS about him. What happened Mr H has explained that he was operating a legitimate enterprise using a social media outlet I’ll refer to as M. This particular outlet’s messages usually disappeared on... (6 pages)View decision -
Decision Reference DRN-3721065
28 Oct 2022 Morses Club PLC UpheldConsumer CreditDRN-3721065 The complaint Mr M, through his representative, complains that Morses Club PLC lent to him when he could not afford it. What happened Morses has provided some information about the loans and here is a brief loan table: Reference Date Taken Date Repaid Instalments Amount Repayme... (4 pages)View decision -
Decision Reference DRN-3765105
28 Oct 2022 Invesco Fund Managers Limited UpheldInvestmentsDRN-3765105 The complaint Mr C – as trustee of the BDC trust – complains about a delay withdrawing trust money from an investment account held with Invesco Fund Managers Limited. What happened The trust here was established in 2004. Mr C was one of three trustees at that point – I’ll refer... (5 pages)View decision -
Decision Reference DRN-3771854
28 Oct 2022 Scots Consultants (London) Ltd UpheldInsuranceDRN-3771854 The complaint Mr D complains that Scots Consultants (London) Ltd trading as Coversure Insurance Services (Teddington) (“Coversure”) mis-sold him a legal expenses insurance policy as it did not include legal defence cover. What happened Mr D took out a legal expenses insurance p... (11 pages)View decision -
Decision Reference DRN-3708880
28 Oct 2022 Great Lakes Insurance SE UpheldInsuranceDRN-3708880 The complaint Mr F is unhappy that Great Lakes Insurance SE declined a claim he made under his Commercial Property Owners Insurance policy. Reference to Mr F and Great Lakes includes anything said or done by their respective agents and representatives. What happened The circums... (3 pages)View decision -
Decision Reference DRN-3766293
28 Oct 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3766293 Complaint Mr C has complained that Everyday Lending Limited (trading as “Everyday Loans”) provided him with unaffordable loans. He says Everyday Loans failed to check his financial circumstances and if it had done it would have seen that he couldn’t repay these loans. Backgroun... (3 pages)View decision -
Decision Reference DRN-3693546
28 Oct 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3693546 Complaint Miss B has complained that Loans 2 Go Limited (“L2G”) provided her with an unaffordable loan. Background L2G initially provided Miss B with a loan for £300 in August 2019. This loan had an APR of 1,013.3% and an 18-month term. This all meant the total amount repayable... (4 pages)View decision -
Decision Reference DRN-3751403
27 Oct 2022 Aviva Life & Pensions UK Limited UpheldPensions and AnnuitiesDRN-3751403 The complaint Mrs H has complained that Aviva Life & Pensions UK Limited (“Aviva”) mis-sold a Free Standing Additional Voluntary Contribution (“FSAVC”) plan which led to her suffering a financial loss. Mrs H is represented in this complaint by a claims management company (“... (4 pages)View decision -
Decision Reference DRN-3777000
27 Oct 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3777000 The complaint Mr Z is unhappy that HSBC UK Bank Plc won’t refund the money he’s lost to a fraudster. What’s happened? Mr Z says he saw a private advert for a vehicle on a well-known online marketplace. He paid £6,500 for the vehicle via bank transfer on 27 September 2016 (‘the ... (4 pages)View decision -
Decision Reference DRN-3777208
27 Oct 2022 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-3777208 The complaint Miss J has complained, in summary, that Shop Direct Finance Company Limited, (“Shop Direct”), (“Shop Direct”), lent to her irresponsibly. She said the lending was unaffordable for her. What happened Shop Direct opened a credit account for Miss J in December 2017 w... (6 pages)View decision
