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-3361126
24 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3361126 The complaint Mr V has complained that AvantCredit of UK, LLC was irresponsible in lending to him. What happened In 2015 AvantCredit provided Mr V with a loan of £2,900 repayable over 48 months with a monthly repayment of £144.14. He said the purpose of the loan was debt consol... (3 pages)View decision -
Decision Reference DRN-3392379
24 Mar 2022 Kent Savers Credit Union Limited UpheldConsumer CreditDRN-3392379 The complaint Mr H complains that Kent Savers Credit Union Limited (Kent) have unfairly registered a default against him. What happened Mr H had a loan with Kent, but he suffered financial difficulties, which resulted in him being unable to meet his contractual monthly payments... (5 pages)View decision -
Decision Reference DRN-3359534
24 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3359534 The complaint Mr C is complaining that AvantCredit of UK, LLC trading as AvantCredit irresponsibly lent to him. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. The facts are not in dispute, so I’ll focus on giving t... (2 pages)View decision -
Decision Reference DRN-3393586
24 Mar 2022 Cowgills Wealth Limited UpheldPensions and AnnuitiesDRN-3393586 The complaint Mrs S complains that Cowgills Wealth Limited gave her unsuitable advice to transfer deferred pension benefits from her Occupational Pension Scheme to a personal pension. When receiving advice from Cowgills, Mrs S was being represented by her husband, Mr S. She has... (9 pages)View decision -
Decision Reference DRN-3355247
24 Mar 2022 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-3355247 The complaint Mrs A is unhappy with how Shop Direct Finance Company Limited trading as Very dealt with her financial difficulties. Mr A and Mrs A have entered into an Individual Voluntary Arrangement with Company I relating to their sole and joint debts, including Mrs A’s accou... (3 pages)View decision -
Decision Reference DRN-3263305
24 Mar 2022 Amtrust Europe Limited UpheldInsuranceDRN-3263305 The complaint Mr H and Mrs H’s complaint is about Amtrust Europe Limited’s handling of a claim made under a housing warranty insurance policy. What happened Mr and Mrs H made a claim for water ingress through a housing warranty insurance policy underwritten by Amtrust. Amtrust ... (2 pages)View decision -
Decision Reference DRN-3374763
24 Mar 2022 Clydesdale Bank Plc UpheldMortgagesDRN-3374763 The complaint Mr H complains about the way that Clydesdale Bank Plc has administered his mortgage. What happened In 2013, Mr H took out a mortgage with Clydesdale. In May 2017, he asked it to switch his mortgage to a fixed rate of 1.69% for 26 months. But the switch did not occ... (5 pages)View decision -
Decision Reference DRN-3390331
24 Mar 2022 Kensington Mortgage Company Limited UpheldMortgagesDRN-3390331 The complaint Mr and Mrs B’s complaint is about a secured loan they took out with Kensington Mortgage Company Limited in 2006. They consider that, given their financial history and then current circumstances, the lending was irresponsible. This was because the loan turned some ... (5 pages)View decision -
Decision Reference DRN-3156974
24 Mar 2022 Morses Club PLC UpheldConsumer CreditDRN-3156974 The complaint Mr N says Morses Club PLC (Morses) lent to him irresponsibly. He says that he couldn’t afford the loan repayments and he had a history of poor credit. He thinks that Morses should’ve seen this and not lent to him. What happened This complaint is about five home co... (4 pages)View decision -
Decision Reference DRN-3389880
24 Mar 2022 Aviva Insurance Limited UpheldInsuranceDRN-3389880 The complaint Mr O complains that Aviva Insurance Limited unfairly avoided his motor insurance policy. What happened Mr O bought a short term car insurance policy with Aviva in January 2018. He was involved in an accident in February 2018 and made a claim on his insurance. Aviv... (4 pages)View decision
