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 128312 results
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Decision Reference DRN-3877131
24 Jan 2023 Barclays Bank UK PLC UpheldMortgagesDRN-3877131 The complaint This complaint is about a buy-to-let (BTL) mortgage portfolio Mrs J and Mr R hold with Barclays Bank UK Plc. They complain of accounting errors, and information gaps, on their mortgages, in particular those which are operated on a legacy computer system. The mortg... (5 pages)View decision -
Decision Reference DRN-3906394
24 Jan 2023 Evergreen Finance London Limited UpheldConsumer CreditDRN-3906394 The complaint Miss M (through a representative) complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (MoneyBoat) didn’t carry out proportionate affordability checks before it granted her loans. Had it done so, Miss M says it would’ve realised she had poor ... (5 pages)View decision -
Decision Reference DRN-3489725
24 Jan 2023 D C Financial Limited UpheldPensions and AnnuitiesDRN-3489725 The complaint Mr W complains about the advice given by D C Financial Limited to transfer the benefits from his defined-benefit (‘DB’) scheme with British Steel (‘BSPS’) and another deferred DB scheme to a personal pension. He says the advice was unsuitable for him and believes ... (12 pages)View decision -
Decision Reference DRN-3901420
24 Jan 2023 Evergreen Finance London Limited UpheldConsumer CreditDRN-3901420 The complaint Mr W complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (MoneyBoat) didn’t carry out proportionate affordability checks before it granted him loans. What happened Mr W was advanced three instalment loans by MoneyBoat and a summary of his bo... (4 pages)View decision -
Decision Reference DRN-3910293
24 Jan 2023 Morses Club PLC UpheldConsumer CreditDRN-3910293 The complaint Ms A complains through a representative that Morses Club PLC (Morses) gave her loans that she couldn’t afford to repay. What happened Ms A took a total of four loans from Morses between October 2016 and November 2021. A summary of her total borrowing can be found ... (7 pages)View decision -
Decision Reference DRN-3826367
24 Jan 2023 Morses Club PLC UpheldConsumer CreditDRN-3826367 The complaint Ms F, through her representative, complains that Morses Club PLC lent to her when she could not afford it. She says Morses lent to her irresponsibly. What happened Ms F was approved for 9 loans. Here is a brief loan table. Loan Start Date End Date Capital Amount I... (4 pages)View decision -
Decision Reference DRN-3882110
23 Jan 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3882110 The complaint Miss S says Barclays Bank UK PLC misled her about a positive balance on her credit card account which has caused her a financial loss. What happened Miss S raised a chargeback dispute in July 2020 and Barclays gave her a temporary credit of £4,700 to her credit ca... (8 pages)View decision -
Decision Reference DRN-3731247
23 Jan 2023 AXIS Specialty Europe SE UpheldInsuranceDRN-3731247 The complaint Mr and Mrs O complaint about how AXIS Speciality Europe SE handled and settled a claim they made following water damage to a rental property they own. Mr and Mrs O’s representative brought this complaint to our service. But for clarity – I’ll refer to all submissi... (6 pages)View decision -
Decision Reference DRN-3748045
23 Jan 2023 Amazon Payments UK Limited UpheldBanking and PaymentsDRN-3748045 The complaint S, an overseas business, complains that Amazon Payments UK Limited (“APUK”) declined its application for a payment account and did not explain its reasons for doing so. It has not refunded fees taken, even though no account was ever operational. S is represented b... (2 pages)View decision -
Decision Reference DRN-3895807
23 Jan 2023 KGM Underwriting Services Limited UpheldInsuranceDRN-3895807 The complaint Mr H complains that KGM Underwriting Services Limited (KGM) declined a claim for the total loss of his car due to a fire, under his motor insurance policy. What happened Mr H bought a car in April 2022 having seen it advertised for sale on the internet. Before col... (5 pages)View decision