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 4755 results
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Decision Reference DRN1175112
16 Jul 2014 Metropolitan International Schools Limited Not upheldBanking and creditMr B complains that Metropolitan International Schools Limited, trading as ATL Practical Training (“ATL”) misrepresented a training course to him, and that the course was not in fact suitable.backgroundMr B was sold a loan to finance a training course in March 2013. The course and the lo... (2 pages)View decision -
Decision Reference DRN8893543
15 Aug 2013 Lloyds TSB Bank Plc UpheldBanking and creditMr D complains about a default registered on his credit file by Lloyds TSB Bank Plc.backgroundMr D took out a Lloyds TSB personal loan in March 2010, with an agreement to make monthly repayments of just over £560. The bank transferred this loan to its collections department (CCD) in Feb... (3 pages)View decision -
Decision Reference DRN-4076654
20 Jul 2023 Liverpool Victoria Insurance Company Limited Not upheldInsuranceDRN-4076654 The complaint Mr N complains Liverpool Victoria Insurance Company Limited (LV) provided a poor level of service after he made a claim on his motor insurance policy. And he was unhappy with the liability decision reached. What happened Mr N’s car was hit by a third-party vehicle... (3 pages)View decision -
Decision Reference DRN-2765129
17 May 2021 esure Insurance Limited Not upheldInsuranceDRN-2765129 The complaint Mr S complains about how esure Insurance Limited investigated a claim made on his motor insurance policy and that it recorded him as being at fault. What happened Mr S’s car was hit by an uninsured driver and he made a claim. esure was unable to trace the other dr... (2 pages)View decision -
Decision Reference DRN-1144949
14 May 2020 The Royal Bank of Scotland Plc UpheldMortgagesDRN-1144949The complaintMr P complains that The Royal Bank of Scotland Plc ("RBS") have acted unfairly and unreasonably by losing the deeds to his commercial property. He wants compensation. What happenedMr P had a commercial property, which he mortgaged with RBS in 1988. Mr P ex... (2 pages)View decision -
Decision Reference DRN5330071
3 Aug 2018 Black Horse Limited UpheldBanking and creditMr C complains the caravan he was supplied with through a hire purchase agreement financed by Black Horse Limited was misrepresented. He says it’s not the vehicle he agreed to acquire. He wants a refund.background Mr C tells us he acquired the caravan from a dealer, P... (3 pages)View decision -
Decision Reference DRN7712406
17 Feb 2018 Endsleigh Insurance Services Ltd Not upheldInsurance (excluding PPI)Mr C is unhappy Endsleigh Insurance Services Ltd (Endsleigh) charged him a £30 administration fee, for altering some details on his motor insurance policy.backgroundMr C has explained that he bought a car – and purchased his motor insurance on the same day. And he said ... (3 pages)View decision -
Decision Reference DRN-3438525
16 Dec 2022 Trading 212 UK Limited Not upheldInvestmentsDRN-3438525 The complaint Mr G complains Trading 212 UK Limited (“Trading 212”) will not arrange for his shares to be registered into his own name. What happened Mr G bought shares using his Trading 212 account. His shares are registered to a nominee and held in a pooled (omnibus) account ... (3 pages)View decision -
Decision Reference DRN5488208
1 Jul 2019 Close Brothers Limited Not upheldBanking and creditMr N complains that Close Brothers Limited refused to let him reject a faulty caravan.background In April 2017 Mr N bought a second hand caravan from a dealer I will call M. It cost £9,000 and was funded by a conditional sales agreement with Close Brothers. He says... (3 pages)View decision -
Decision Reference DRN7429366
2 Dec 2015 Fowlersfinance.com Limited UpheldBanking and creditMr C complains about a car that he acquired through a conditional sale agreement financed by Fowlers Fianance.com Ltd (Fowlers). Ms W has made most on the submissions on Mr C’s behalf in this case. However, for simplicity, I refer to Mr C throughout.backgroundIn F... (3 pages)View decision