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 121115 results
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Decision Reference DRN-3405142
30 Mar 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3405142 The complaint Mr M complains that Everyday Lending Limited provided him with two loans he was unable to afford to repay. What happened Date Amount Term Monthly repayment Amount received Date repaid Loan 1 27/06/19 £1,900.00 24 months £207.49 £3,152.94 01/10/20 Loan 2 16/10/20 £... (4 pages)View decision -
Decision Reference DRN-3188270
30 Mar 2022 ReAssure Life Limited UpheldPensions and AnnuitiesDRN-3188270 The complaint Mr R through a claims management company (CMC) has complained that ReAssure Life Limited (ReAssure) allowed him to transfer his personal pension to an overseas scheme when it shouldn’t have done. He believes that ReAssure didn’t carry out the required due diligenc... (10 pages)View decision -
Decision Reference DRN-3345751
30 Mar 2022 Arrow Global Limited UpheldConsumer CreditDRN-3345751 The complaint Mr L complains that Arrow Global Limited didn’t apply a Payment Protection Insurance (PPI) refund to the outstanding balance of a debt. What happened In November 2015 Arrow purchased a debt in Mr L’s name from another business (I). Mr L went on to make a successfu... (2 pages)View decision -
Decision Reference DRN-3339584
30 Mar 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3339584 The complaint and what happened Mrs N complains Barclays Bank UK PLC won’t reimburse money she lost when she fell victim to a scam. She also complains that as part of that scam, she took out a loan for £50,000 but it didn’t do enough checks to ensure it was affordable for her. ... (3 pages)View decision -
Decision Reference DRN-3337886
30 Mar 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3337886 The complaint Mr T complains that Bank of Scotland plc, trading as Halifax, won’t refund the money he lost when he fell victim to a scam involving several companies between mid-2015 and early-2016. He thinks Halifax is responsible for his loss as it failed to identify the scam.... (4 pages)View decision -
Decision Reference DRN-3405660
30 Mar 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3405660 The complaint Mr I complains Bank of Scotland plc trading as Halifax lent to him when it shouldn’t have. What happened Mr I applied for a Halifax credit card in 2014. Halifax approved his application and gave him a £1,000 credit limit. In 2020 Mr I complained to Halifax. He sai... (3 pages)View decision -
Decision Reference DRN-3396807
30 Mar 2022 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3396807 The complaint Mr S complains about Options UK Personal Pensions LLP, (and trading as Carey Pensions UK LLP [Carey] at the time of the relevant events) accepting an application for a Self- Invested Personal Pension (SIPP), and an investment in Store First, from an unregulated bu... (16 pages)View decision -
Decision Reference DRN-3373954
30 Mar 2022 Quilter Financial Limited UpheldPensions and AnnuitiesDRN-3373954 The complaint Mr S says he was given unsuitable advice to switch personal pensions into a self- invested personal pension (SIPP) and make unsuitable high-risk investments. The investments have since failed, and Mr S has lost the pension money he invested. Mr S says Quilter Fina... (7 pages)View decision -
Decision Reference DRN-3194637
30 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3194637 The complaint Ms H complains that NewDay Ltd (trading as Aqua) lent irresponsibly when it increased her credit card limit. What happened Ms H opened a credit card account with Aqua in early 2018. But within a few months the credit limit had more than doubled. And by the end of ... (3 pages)View decision -
Decision Reference DRN-2930323
30 Mar 2022 Premium Credit Limited UpheldConsumer CreditDRN-2930323 The complaint Mr F is unhappy that Premium Credit Limited (PCL) didn’t do more to support him with his repayments on a running account credit agreement, when he got into financial difficulty after the start of the Covid-19 pandemic. What happened Mr F had a private hire motor i... (3 pages)View decision
