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 121074 results
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Decision Reference DRN-3452044
29 Apr 2022 UK Credit Limited UpheldConsumer CreditDRN-3452044 The complaint Miss C, through a representative, says UK Credit Limited lent to her irresponsibly. What happened Miss C took out a guarantor loan from UK Credit on 28 October 2019. It was for £6,000 over 60 months. The monthly repayment was £231.63 and the total repayable was £1... (3 pages)View decision -
Decision Reference DRN-3452001
29 Apr 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3452001 The complaint Mr S says Madison CF UK Limited, trading as 118 118 Money, lent to him irresponsibly. What happened Mr S took out a 24-month instalment loan for £3,000 on 2 November 2016. The monthly repayment was £299.32 and the total repayable was £7,183.68. I understand there ... (2 pages)View decision -
Decision Reference DRN-3402316
29 Apr 2022 AXA Insurance UK Plc UpheldInsuranceDRN-3402316 The complaint Mr and Mrs M complain that AXA Insurance UK Plc (“AXA”) has unfairly handled a subsidence claim made under their buildings insurance policy. What happened The background of this complaint is well known to both parties, so I’ve summarised events. In January 2018 M... (2 pages)View decision -
Decision Reference DRN-3450965
29 Apr 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3450965 The complaint Miss N complains through her representative that AvantCredit of UK, LLC lent her money on high interest loans she was unable to afford to repay. What happened Date of loan Amount Term Monthly repayment Date repaid Loan 1 1/12/2014 £4,000 36m £180 7/5/2015 Loan 2 8... (6 pages)View decision -
Decision Reference DRN-3451133
29 Apr 2022 Equifax Limited UpheldConsumer CreditDRN-3451133 The complaint Mr M complains Equifax Limited recorded the incorrect address format on his credit file. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: Mr M has explained he feels Equifax’s systems incorr... (3 pages)View decision -
Decision Reference DRN-3171803
29 Apr 2022 The Co-operative Bank Plc UpheldBanking and PaymentsDRN-3171803 The complaint Mr W is seeking to recover around £14,800 from The Co-operative Bank Plc (Co-op); a payment he made as a result of a third-party scam. What happened Mr W received a message on social media from someone claiming to be a well-known presenter of a series exploring in... (4 pages)View decision -
Decision Reference DRN-3389649
29 Apr 2022 U K Insurance Limited UpheldInsuranceDRN-3389649 The complaint Mr and Mrs W complain that UK Insurance Limited (“UKI”) has unfairly declined to pay their travel insurance claim. What happened Mr and Mrs W have travel insurance as a benefit through their bank account. In 2019 they booked a trip abroad, including flights and ac... (5 pages)View decision -
Decision Reference DRN-3427507
29 Apr 2022 Premier Insurance Company Limited UpheldInsuranceDRN-3427507 The complaint Mr M’s representative complains on his behalf that Premier Insurance Company Limited (Premier) handled a claim on his motor insurance policy with avoidable delays and without keeping him updated. References to Mr M or his representative will include the other. The... (3 pages)View decision -
Decision Reference DRN-3396714
29 Apr 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3396714 The complaint Mr P has complained through a representative that AvantCredit of UK, LLC (AvantCredit) mis-sold him a loan that he couldn’t afford to repay. What happened On 4 April 2016 AvantCredit provided Mr P with a loan of £1,000. The loan was repayable over 24 months with a... (4 pages)View decision -
Decision Reference DRN-3372533
29 Apr 2022 Short Term Finance Limited UpheldConsumer CreditDRN-3372533 The complaint Ms G (through a representative) complains Short Term Finance Limited (STF) gave her loans that she couldn’t afford to repay. What happened In total Ms G was advanced at least 17 home collected loans between April 2014 and November 2019. I’ve included some of the i... (7 pages)View decision
