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 119464 results
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Decision Reference DRN-3362754
11 Mar 2022 Santander UK Plc UpheldMortgagesDRN-3362754 The complaint Mr and Mrs M complain that Santander UK Plc wouldn’t allow them to take a fixed rate on their mortgage. What happened Mr and Mrs M took out their mortgage with Santander in around 2008. They borrowed around £550,000 – around £65,000 was on repayment terms and the ... (4 pages)View decision -
Decision Reference DRN-3356820
11 Mar 2022 Salary Finance Limited UpheldConsumer CreditDRN-3356820 The complaint Mr R complains Salary Finance Limited (SF) gave him an incorrect settlement figure for his personal loan, leading to negative information being recorded on his credit file. Mr R originally took out his loan with another company, but SF are now responsible for it, ... (3 pages)View decision -
Decision Reference DRN-3058696
11 Mar 2022 Equifax Limited UpheldConsumer CreditDRN-3058696 The complaint Mr G complains Equifax Limited incorrectly reported information on his credit file, leading to him being turned down for a further advance on his mortgage. What happened In June 2019 Mr G and his wife took out a mortgage with a lender who I’ll call R. He initially... (3 pages)View decision -
Decision Reference DRN-3271012
11 Mar 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3271012 Complaint Miss J has complained that Loans 2 Go Limited (“L2G”) provided her with an unaffordable loan. Background L2G provided Miss J with a loan of £300.00 in November 2020. This loan had an APR of 1,013.3% and an 18-month term. This all meant the total amount repayable of £1... (4 pages)View decision -
Decision Reference DRN-3359459
11 Mar 2022 Covea Insurance plc UpheldInsuranceDRN-3359459 The complaint A company, which I’ll refer to as J, complains that Covea Insurance plc (“Covea”) declined a claimed made on its ‘Tradesman & Professionals’ commercial policy. Mr D, a director of J, has complained on J’s behalf. What happened In 2020 J took out a ‘Tradesman &... (3 pages)View decision -
Decision Reference DRN-3365251
11 Mar 2022 AXA Insurance UK Plc UpheldInsuranceDRN-3365251 The complaint Mr T complains AXA Insurance UK Plc have recorded his motor insurance policy as cancelled which he doesn’t think is fair. He’s also unhappy that following the settlement of a claim they’ve not paid taxi fares they said they would or paid an amount for stress they’... (6 pages)View decision -
Decision Reference DRN-3346599
11 Mar 2022 U K Insurance Limited UpheldInsuranceDRN-3346599 The complaint Mr Y complains about the valuation U K Insurance Limited (UKI) trading as Direct Line Car Insurance have given him when claiming under his motor insurance policy. What happened I issued a provisional decision setting out what’d happened, what I thought about that,... (5 pages)View decision -
Decision Reference DRN-3356784
11 Mar 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3356784 Complaint Mrs M has complained that Loans 2 Go Limited (“L2G”) provided her with an unaffordable loan. She says she was provided with High-cost Long-term credit and wasn’t required to demonstrate her ability to repay this loan. Background L2G provided Mrs M with a loan of £1,00... (4 pages)View decision -
Decision Reference DRN-2975942
11 Mar 2022 Bamboo Limited UpheldConsumer CreditDRN-2975942 Complaint Ms M has complained that Bamboo Limited (“Bamboo”) provided her with an unaffordable loans. She says that if Bamboo failed to carry out an effective assessment of affordability and if it had done so it would have seen that it shouldn’t have lent to her. Background Bam... (5 pages)View decision -
Decision Reference DRN-3333400
10 Mar 2022 Retail Money Market Ltd UpheldConsumer CreditDRN-3333400 The complaint Mr H complains about a default that Retail Money Market Ltd trading as RateSetter (RateSetter) have placed on his credit file for non-payment of a loan. What happened In August 2018 following a house sale, Mr H says he contacted RateSetter to confirm the settlemen... (4 pages)View decision
