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 120936 results
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Decision Reference DRN-3334314
26 Apr 2022 MotoNovo Finance Limited UpheldConsumer CreditDRN-3334314 The complaint Ms W complains that MotoNovo Finance Limited irresponsibly granted her a hire purchase agreement she couldn’t afford to repay. What happened In April 2016, Ms W acquired a used car financed by a hire purchase agreement from MotoNovo. Ms W was required to make 35 m... (2 pages)View decision -
Decision Reference DRN-3266233
26 Apr 2022 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-3266233 The complaint Mr P’s complaint is about Admiral Insurance (Gibraltar) Limited’s handling of a claim made under a home insurance policy he holds jointly with Mrs S. All references to Admiral include its appointed agents. What happened The circumstances of this complaint are well... (3 pages)View decision -
Decision Reference DRN-3439463
26 Apr 2022 Lincolnshire Independent Financial Advisers Ltd UpheldInvestmentsDRN-3439463 The complaint Mr W complains about the advice/service provided by Lincolnshire Independent Financial Advisers Ltd, referred to as “the business”. In summary, he says: He’s concerned about the advice to invest in the Transact and Nucleus portfolios. He was misled about the cha... (5 pages)View decision -
Decision Reference DRN-3447382
26 Apr 2022 Bank of Scotland Plc UpheldConsumer CreditDRN-3447382 The complaint Miss M complains that Bank of Scotland plc trading as Halifax gave her a loan that she couldn’t afford, without carrying out proper checks. What happened In April 2018, Miss M took out a loan with Halifax for £6,000 over four years with an interest rate of 28.7% A... (3 pages)View decision -
Decision Reference DRN-3447823
26 Apr 2022 Soteria Insurance Limited UpheldInsuranceDRN-3447823 The complaint Mr B complains Soteria Insurance Limited took too long repairing his car properly, the courtesy car given wasn’t suitable, and the customer service was appalling. Mr B’s wife Mrs B is representing him in this complaint, so I’ll also refer to her in this decision. ... (5 pages)View decision -
Decision Reference DRN-3419707
26 Apr 2022 Tesco Underwriting Limited UpheldInsuranceDRN-3419707 The complaint Mr B has complained about Tesco Underwriting Limited. He isn’t happy about the way it settled liability following a claim under his motor insurance policy and about the reduction in his no claims discount (NCD). What happened I looked at this case and provided my ... (3 pages)View decision -
Decision Reference DRN-3447545
25 Apr 2022 Bank of Scotland Plc UpheldMortgagesDRN-3447545 The complaint Ms A and Mr A complain that the valuation carried out on behalf of Bank of Scotland plc trading as Halifax failed to pick up defects with their property. What happened Ms A and Mr A took out a mortgage with Halifax in 2015 to buy a property. They recently found a ... (3 pages)View decision -
Decision Reference DRN-3375290
25 Apr 2022 TRANSUNION INTERNATIONAL UK LIMITED UpheldConsumer CreditDRN-3375290 The complaint Mrs J has complained that TRANSUNION INTERNATIONAL UK LIMITED are reporting incorrect electoral roll information for her. What happened Mrs J found out TransUnion were reporting that she was not on the electoral roll. She disputed this with TransUnion in August 20... (2 pages)View decision -
Decision Reference DRN-3386904
25 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3386904 The complaint Mr W complains that Everyday Lending Limited lent to him irresponsibly. What happened Mr W took one loan with Everyday Lending. It was approved for him on 22 May 2019 for £3,100 repayable over 36 months at £247.09 each month. The total charge for credit was £5,795... (4 pages)View decision -
Decision Reference DRN-3447255
25 Apr 2022 Highway Insurance Company Limited UpheldInsuranceDRN-3447255 The complaint A company, which I will refer to as B, complains that Highway Insurance Company Limited (Highway) did not offer a fair market value for its van when it was written off in an accident. Mr B who is a director of B, brings the complaint on B’s behalf. References to B... (4 pages)View decision
