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 4777 results
-
Decision Reference DRN-3597223
13 Oct 2022 Tesco Personal Finance PLC Not upheldBanking and PaymentsThe complaint Ms K complains that Tesco Personal Finance PLC (Tesco) has registered a late credit card payment with the credit reference agencies. She thinks that this has a disproportionate impact on her credit rating. What happened Ms K took out a credit card with Tesco in March 2020. Sh... (2 pages)View decision -
Decision Reference DRN-2033083
11 Mar 2021 Automobile Association Insurance Services Limited Not upheldInsuranceDRN-2033083 The complaint Mr M complains about the service provided by Automobile Association Insurance Services Limited when he tried to make a change to his motor insurance policy. What happened Mr M bought the policy online in December 2019 and it was administered by AA. He called AA on... (2 pages)View decision -
Decision Reference DRN-1993008
13 Jan 2021 Society of Lloyd's UpheldInsuranceDRN-1993008 The complaint Mr A complains that Society of Lloyd’s wrongly decided not to replace his written-off car with a brand new one after he made a claim on his motor insurance policy. What happened Mr A’s car was written-off in an accident on 12 October 2019. He thought he was entitl... (2 pages)View decision -
Decision Reference DRN0094225
26 Feb 2015 Allen Ford (UK) Limited Not upheldBanking and creditMrs G complains that Allen Ford (UK) Limited misled her about a Personal Contract Purchase (‘PCP’) agreement she entered into. She also says that the deposit she paid was too high and that she was charged for road tax in error.backgroundMrs G says that Allen Ford led her to believe that... (3 pages)View decision -
Decision Reference DRN0138001
20 Feb 2019 Virgin Money plc Not upheldBanking and creditMr K complained about the solicitors provided by Virgin Money plc for his remortgage. The solicitors told him there was a problem with a pipe across his land, so they couldn’t do the work for free, and he’d have to pay for his own solicitor. Mr K says the pipe w... (3 pages)View decision -
Decision Reference DRN-4902155
3 Sep 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4902155 The complaint Mr P complains that TSB Bank plc has applied adverse information to his credit file for a minor oversight and despite him explaining his circumstances at the time. What happened Mr P said that missed payments were added to his credit file but at the time he did... (2 pages)View decision -
Decision Reference DRN7750520
16 Sep 2019 Charter Court Financial Services Limited UpheldBanking and creditB Ltd complains that Charter Court Financial Services Limited trading as Precise Mortgages acted unfairly and unreasonably when dealing with its buy to let mortgage application. It wants a refund of the assessment and valuation fee and a goodwill gesture.background B Ltd applied for a buy ... (3 pages)View decision -
Decision Reference DRN3009751
26 Feb 2019 The Society of Lloyd's Not upheldInsurance (excluding PPI)Mr S complains the Society of Lloyd’s has unfairly declined his motor insurance claim when his car was stolen. backgroundMr S insures his car through the Society of Lloyd’s. He has insured it for £99,000 – a specified value. As a condition of Mr S’ insurance he mus... (3 pages)View decision -
Decision Reference DRN-4449236
13 Nov 2023 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-4449236 The complaint Mr D complains about a car he acquired through a hire purchase agreement with BMW Financial Services (GB) Limited trading as ALPHERA Financial Services (BMWFS). He refers to having problems with the car immediately after taking possession of it, along with further... (5 pages)View decision -
Decision Reference DRN-4673366
10 Mar 2024 Scottish Widows Limited Not upheldPensions and AnnuitiesDRN-4673366 The complaint Mr Q complains about the length of time that it has taken for him to register for the Scottish Widows Limited (SWL) online pension portal. Mr Q says that SWL have failed to resolve his IT problems in a timely manner, meaning that he’s been unable to keep track of ... (5 pages)View decision