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 120614 results
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Decision Reference DRN-4641291
4 Jun 2024 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4641291 The complaint Miss B, who is represented by a third party, complains that Specialist Motor Finance Limited (“SMFL”) irresponsibly granted her a hire purchase agreement she couldn’t afford to repay. What happened In June 2019, Miss B acquired a used car financed by way of a hire... (3 pages)View decision -
Decision Reference DRN-4832051
4 Jun 2024 Wise Payments Limited UpheldBanking and PaymentsDRN-4832051 The complaint Mr L complains that Wise Payments Limited didn’t do enough to protect him from the financial harm caused by an investment scam, or to help him recover the money once he’d reported the scam to it. What happened In August 2022, Mr L came into contact with someone I’... (4 pages)View decision -
Decision Reference DRN-4552423
4 Jun 2024 National Westminster Bank Plc UpheldMortgagesDRN-4552423 The complaint Mr and Mrs C complain that National Westminster Bank plc has lost a payment they made to their mortgage in late 2021. What happened Mr and Mrs C were living and working abroad, and in November 2021 they made a payment of £50,000 to NatWest from their bank abroad. ... (3 pages)View decision -
Decision Reference DRN-4830669
4 Jun 2024 Accredited Insurance (Europe) Ltd UpheldInsuranceDRN-4830669 The complaint Mrs R and Mr R complain about Accredited Insurance (Europe) Ltd’s (“Accredited”) handling of their claim under their home insurance policy. Mr R has acted as the main representative during the claim and complaint process. So, for ease of reference, I will refer to... (6 pages)View decision -
Decision Reference DRN-4758046
4 Jun 2024 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4758046 The complaint Mr F complains Specialist Motor Finance Limited (SMF) acted irresponsibly in agreeing to lend to him as he said the loan wasn’t affordable. In bringing his complaint Mr F is represented by a third party. For ease of reading I will only refer to Mr F in my decision... (4 pages)View decision -
Decision Reference DRN-4707427
3 Jun 2024 Fairscore Ltd UpheldConsumer CreditDRN-4707427 The complaint Mr B complains about Fairscore Ltd’s, trading as Updraft, three lending decisions which he believes were irresponsible. What happened Mr B took out the following three loans with Updraft: Loan 1 o£5,000 in October 2020 oRequiring 35 monthly repayments of £182.37 ... (3 pages)View decision -
Decision Reference DRN-4804886
3 Jun 2024 Advanced Payment Solutions Limited UpheldBanking and PaymentsDRN-4804886 The complaint Ms B complains Advanced Payment Solutions Limited, trading as Cashplus (“Cashplus”) blocked and closed her account - and that it withheld her funds. Ms B says Cashplus’ actions have caused her substantive distress and inconvenience. What happened The details of th... (3 pages)View decision -
Decision Reference DRN-4830381
3 Jun 2024 Lendable Ltd UpheldConsumer CreditDRN-4830381 The complaint Mr Y says Lendable Ltd irresponsibly lent to him. What happened Mr Y took out an 18-month loan for £2,000 in February 2023. The monthly repayments were £144.40. Mr Y says the loan was also unaffordable. Better checks should have been made to assess his circumstanc... (3 pages)View decision -
Decision Reference DRN-4740084
3 Jun 2024 Metro Bank PLC UpheldConsumer CreditDRN-4740084 The complaint Mr C, through his representative, complains that Metro Bank PLC trading as RateSetter Lenders (RateSetter) lent to him but failed to conduct proportionate checks at that time and could have done more before providing the funds. What happened Mr C took one loan fro... (4 pages)View decision -
Decision Reference DRN-4591278
3 Jun 2024 Sesame Limited UpheldPensions and AnnuitiesDRN-4591278 The complaint Mr V’s representative has complained, on his behalf, about advice he was given by Braemar Financial Planning (now Sesame Limited) to transfer his occupational pension scheme (OPS) defined benefits to a “Section 32” buyout policy. What happened The ombudsman who de... (8 pages)View decision
