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-3195847
12 Feb 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3195847 The complaint Mr W has complained that Everyday Lending Limited (EDL) lent to him irresponsibly. What happened Mr W was given two loans by EDL in 2018 and 2020. Loan 1 in January 2018 was for £5,000 repayable in 36 monthly instalments of about £410. The total amount payable, in... (3 pages)View decision -
Decision Reference DRN-3311704
12 Feb 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3311704 The complaint F complains that Barclays Bank UK PLC prevented online access to its account, without notice, on two separate occasions which resulted in a loss of income. F is represented in bringing this complaint by its owner, Mr F. What happened The detailed background to thi... (2 pages)View decision -
Decision Reference DRN-3207602
11 Feb 2022 London Community Credit Union Limited UpheldBanking and PaymentsDRN-3207602 The complaint T complains that London Community Credit Union Limited (LCCU) didn’t do enough to prevent the loss caused to them as a result of an authorised push payment (‘APP’) fraud. What happened The background to the complaint is known to both parties and so I won’t repeat ... (4 pages)View decision -
Decision Reference DRN-3175924
11 Feb 2022 Phoenix Life Limited UpheldInvestmentsDRN-3175924 The complaint Mr and Mrs P complain that Phoenix Life Limited (Phoenix) mis-sold a whole of life (WOL) policy and a guaranteed insurability option (GIO). What happened In October 1993, Mr and Mrs P took out a joint life assurance policy (WOL) which included life and critical il... (3 pages)View decision -
Decision Reference DRN-3274441
11 Feb 2022 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3274441 The complaint Mr L is unhappy that Creation Consumer Finance Ltd rejected his claim under Section 75 of the Consumer Credit Act 1974. What happened In August 2019 Mr L was supplied with a car and entered into a fixed sum loan agreement with Creation. In October 2019 Mr L notice... (3 pages)View decision -
Decision Reference DRN-3260758
11 Feb 2022 DAS Legal Expenses Insurance Company Limited UpheldInsuranceDRN-3260758 The complaint Mrs D complains about DAS Legal Expenses Insurance Company Limited’s (“DAS”) handling of her claim under her home emergency insurance. What happened Mrs D had a problem with a blocked drain which in turn was causing an issue with her toilet. Mrs D reported this to... (3 pages)View decision -
Decision Reference DRN-3218794
11 Feb 2022 The National Farmers' Union Mutual Insurance Society Limited UpheldInsuranceDRN-3218794 The complaint Mrs C complains about the settlement offered by The National Farmers' Union Mutual Insurance Society Limited trading as NFU Mutual (“NFU”) following a claim on her property insurance. What happened Mrs C had a property insurance policy with NFU for a building... (3 pages)View decision -
Decision Reference DRN-3311184
11 Feb 2022 Covea Insurance plc UpheldInsuranceDRN-3311184 The complaint Mr G and Miss T complain that Covea Insurance plc (Covea) has unfairly said it won’t meet a claim they made for water damage to their adjoining flats. What happened Both parties know what’s happened during this complaint, so I won’t go into detail. But in summary:... (3 pages)View decision -
Decision Reference DRN-3264504
11 Feb 2022 PAY WEEKLY LTD UpheldConsumer CreditDRN-3264504 The complaint Miss G complains that PAY WEEKLY LTD (“PWL”) failed to refund all of the sums she was entitled to when she took the decision to cancel an order for the supply and installation of some flooring. What happened On 31 March 2020 Miss G entered into a hire agreement (r... (2 pages)View decision -
Decision Reference DRN-3208265
11 Feb 2022 The Five Lamps Organisation UpheldConsumer CreditDRN-3208265 The complaint Mr J says The Five Lamps Organisation lent to him irresponsibly. What happened Mr J took out a loan for £300, repayable over 24 weeks, on 7 December 2018. The weekly repayment was £14.70 and the total repayable was £352.80. Mr J says the loan was issued without ac... (3 pages)View decision
