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 119592 results
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Decision Reference DRN-3177211
4 Mar 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3177211 The complaint Mr M complains that Everyday Lending Limited trading as GeorgeBanco.com (Everyday) didn’t carry out enough checks when they agreed to a loan he was guaranteeing. What happened In September 2019, Mr M agreed to be the guarantor on a loan of £15,000 for Mr B, a frie... (4 pages)View decision -
Decision Reference DRN-3343746
4 Mar 2022 Short Term Finance Limited UpheldConsumer CreditDRN-3343746 The complaint Miss A (through a representative) complains Short Term Finance Limited (STF) lent to her irresponsibly because it didn’t carry out proper affordability checks in line with industry regulation at the time. What happened Our adjudicator partly upheld Miss A’s compla... (8 pages)View decision -
Decision Reference DRN-3221284
4 Mar 2022 American Express Services Europe Limited (AESEL) UpheldBanking and PaymentsDRN-3221284 The complaint Mr F complains that American Express Services Europe Limited (‘Amex’) wrongly applied a default to his credit file. What happened Mr F had a business credit card and a personal credit card with Amex. In 2018 Mr F received notice that a default would be applied to ... (3 pages)View decision -
Decision Reference DRN-3234054
4 Mar 2022 Ikano Bank AB (publ) UpheldConsumer CreditDRN-3234054 The complaint Mr W is unhappy with the outcome of his complaint following his declined claim against Ikano Bank AB (publ) under Section 75 of the Consumer Credit Act 1974 (the ‘Act’) for some mis-sold solar panels. What happened The parties are fully aware of the background to ... (3 pages)View decision -
Decision Reference DRN-3246409
4 Mar 2022 Rogerstan Finance Limited UpheldConsumer CreditDRN-3246409 The complaint Mr E complains Rogerstan Finance Limited (Rogerstan) provided him with loans that he couldn’t afford to repay. Mr E says these loans have caused long term financial problems for him, including contributing to him having significant arrears on his mortgage. What ha... (13 pages)View decision -
Decision Reference DRN-3329739
4 Mar 2022 Lloyds Bank PLC UpheldInsuranceDRN-3329739 The complaint This complaint is about a payment protection insurance (PPI) policy and is brought by Mrs D and the estate of Mr D. Mrs D says Lloyds Bank PLC originally offered a substantial sum for financial redress – over £8,000 - relating to a mis-sold PPI policy. Lloyds then... (2 pages)View decision -
Decision Reference DRN-3260006
4 Mar 2022 AA Underwriting Insurance Company Limited UpheldInsuranceDRN-3260006 The complaint Miss W complains about her insurer, AA Underwriting Insurance Company Limited (‘AA’) for delays in handling a claim for damage to her vehicle from an accident. In referring to AA, I include its agents and representatives. What happened In June 2020, Miss W’s car w... (3 pages)View decision -
Decision Reference DRN-3341958
4 Mar 2022 Towergate Financial (West) Limited UpheldPensions and AnnuitiesDRN-3341958 The complaint Mr B has complained about the transfer he made from his final salary occupational pension scheme to a personal pension. He considers that Towergate Financial (West) Limited failed to provide information that was material to his decision to transfer, and therefore ... (12 pages)View decision -
Decision Reference DRN-3317009
4 Mar 2022 Sytner Group Ltd UpheldConsumer CreditDRN-3317009 The complaint Mr H complains that Sytner Group Ltd mis-sold hire purchase agreements taken out by him around matters of negative equity, excess mileage allowances and voluntary termination rights. What happened Mr H entered into three hire purchase agreements with a finance pro... (5 pages)View decision -
Decision Reference DRN-3345767
4 Mar 2022 TenetConnect Limited UpheldPensions and AnnuitiesDRN-3345767 The complaint Mr L has complained to TenetConnect Limited about the delays he feels were caused by it in the process of transferring his defined benefits from an Occupational Pension Scheme (OPS). Mr L has said that the delays caused him financial loss. What happened Mr L met w... (17 pages)View decision
