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-3303486
23 Mar 2022 Infinity Energy Organisation Limited UpheldConsumer CreditDRN-3303486 The complaint Mr I and Mr J complain about the response of Infinity Energy Organisation Limited to their claim made under section 75 of the Consumer Credit Act 1974. The claim related to a credit agreement entered as part of a Green Deal Plan in relation to the installation of ... (3 pages)View decision -
Decision Reference DRN-3338724
23 Mar 2022 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-3338724 The complaint Mrs and Mr H complain about how Royal & Sun Alliance Insurance Limited (RSA) dealt with their claim following an incident where their caravan was damaged. What happened Mrs and Mr H had touring caravan insurance underwritten by RSA. While Mr H was moving the c... (3 pages)View decision -
Decision Reference DRN-3191947
23 Mar 2022 Future Finance Loan Corporation Limited UpheldConsumer CreditDRN-3191947 The complaint Miss F complains Future Finance Loan Corporation Limited (‘Future Finance’) irresponsibly lent to her on multiple occasions. What happened Miss F was approved for two loans by Future Finance. The purpose of these loans was to support her whilst completing her furt... (7 pages)View decision -
Decision Reference DRN-3160382
23 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3160382 The complaint Mr P says AvantCredit of UK, LLC lent to him irresponsibly. What happened In March 2016 Mr P took out a 48-month instalment loan from AvantCredit for £3,800. The monthly repayment was £152.36 and the total repayable was £7,313.14. Mr P says he took out the loan to... (4 pages)View decision -
Decision Reference DRN-3306194
23 Mar 2022 Debt Managers (Services) Limited UpheldConsumer CreditDRN-3306194 The complaint Miss K complains about a default recorded on her credit file by Debt Managers (Services) Limited (DMS). What happened Miss K had an account with another business (S). On 14 October 2019 S closed Miss K’s account and recorded a default on her credit file. Miss K ha... (2 pages)View decision -
Decision Reference DRN-3390817
23 Mar 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3390817 The complaint Mr D complained that Loans 2 Go Limited irresponsibly provided him with an unaffordable loan. What happened Loans 2 Go provided a loan to Mr D as follows: Date taken Loan amount Term Monthly repayment Total amount repayable Loan status 2/1/2019 £300 18 months £67.... (4 pages)View decision -
Decision Reference DRN-3390387
23 Mar 2022 Cowley & Miller Independent Financial Services Limited UpheldPensions and AnnuitiesDRN-3390387 The complaint Mr S complains advice given by Cowley and Miller Independent Financial Services Limited to transfer the deferred benefits of his armed forces occupational pension scheme to a personal pension wasn’t in his best interests. Mr S is represented in this complaint by a... (6 pages)View decision -
Decision Reference DRN-3354160
23 Mar 2022 Metro Bank PLC UpheldBanking and PaymentsDRN-3354160 Complaint Miss A is unhappy that Metro Bank PLC (“Metro”) recorded a fraud prevention marker against her. She says that she was also a victim of a fraud and it’s unfair for Metro not to remove the marker. Background In August 2016, Miss A’s two Metro accounts received a number ... (3 pages)View decision -
Decision Reference DRN-3379218
23 Mar 2022 MotoNovo Finance Limited UpheldConsumer CreditDRN-3379218 The complaint Mr F has complained MotoNovo Finance Limited has continued to ask him to pay a hire purchase agreement after he told them he’d not taken possession of the car. What happened Mr F contacted MotoNovo in November 2019 three months after taking out a hire purchase agr... (3 pages)View decision -
Decision Reference DRN-3374180
23 Mar 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3374180 The complaint Mr H has complained that HSBC UK Bank Plc (“HSBC”) acted unfairly by continuing to apply charges to his account when he was in financial difficulty. What happened Mr H complained to HSBC about the charges applied to his account when it ought to have known he was s... (3 pages)View decision
