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 392389 results
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Decision Reference DRN-5941756
11 Nov 2025 Iwoca Ltd Not upheldBanking and PaymentsDRN-5941756 The complaint Mr L complains that Iwoca Ltd did not properly assess whether he could afford to meet his guarantee liabilities if the lender were to default. What happened In July 2019 Mr L was appointed a director of a company which I’ll call “U”. In November 2020 Iwoca Ltd ... (3 pages)View decision -
Decision Reference DRN-5941295
11 Nov 2025 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-5941295 The complaint Mr R complains that a car he acquired with a conditional sale agreement through Santander Consumer (UK) PLC trading as Santander Consumer Finance (SCF)wasn’t of satisfactory quality. Also that SCF discriminated against him by not making reasonable adjustments. ... (3 pages)View decision -
Decision Reference DRN-5937732
11 Nov 2025 Oodle Financial Services Limited UpheldConsumer CreditDRN-5937732 The complaint Mrs F says Oodle Financial Services Limited trading, as Oodle Car Finance (Oodle) didn’t adequately explain the options she had when exiting a finance agreement with them. What happened In February 2020, Mrs F bought a used car through a hire purchase agreement... (2 pages)View decision -
Decision Reference DRN-5854169
11 Nov 2025 ONMO Limited Not upheldBanking and PaymentsDRN-5854169 The complaint Miss F complains that ONMO Limited irresponsibly lent to her. What happened Miss F was approved for an ONMO credit card in April 2023 with a £500 credit limit. Miss F says that this was irresponsibly lent to her as she was in an active Individual Voluntary Arra... (2 pages)View decision -
Decision Reference DRN-5257966
11 Nov 2025 Financial Administration Services Limited Not upheldInvestmentsDRN-5257966 The complaint Mrs C’s complaint against Financial Administration Services Limited (“Fidelity”) is about how they handled her request for information about the interest earned and tax paid on her accounts. What happened On 10 November 2023 Mrs C sent a secure message to Fidel... (3 pages)View decision -
Decision Reference DRN-5621437
11 Nov 2025 Money Advice & Planning Ltd UpheldPensions and AnnuitiesDRN-5621437 The complaint Mr G complains that Money Advice & Planning Ltd (‘MA&P’) gave him unsuitable advice in relation to his pension and ISA. He also says it has failed to provide the ongoing service he was paying for. Mr G’s wife, Mrs G, has made a similar complaint to MA&a... (11 pages)View decision -
Decision Reference DRN-5621373
11 Nov 2025 Money Advice & Planning Ltd UpheldPensions and AnnuitiesDRN-5621373 The complaint Mrs G complains that Money Advice & Planning Ltd (‘MA&P’) gave her unsuitable advice in relation to her ISA. She also says it has failed to provide the ongoing service she was paying for. Mrs G’s husband, Mr G, has made a similar complaint to MA&P a... (9 pages)View decision -
Decision Reference DRN-5798203
11 Nov 2025 Lendable Ltd Not upheldBanking and PaymentsDRN-5798203 The complaint Miss F complains that Lendable Ltd trading as Zable irresponsibly lent to her. What happened Miss F was approved for a Zable credit card in August 2022, with a £200 credit limit. The credit limit was increased to £500 in December 2022, and the credit limit was ... (4 pages)View decision -
Decision Reference DRN-5604681
11 Nov 2025 IG Markets Limited Not upheldInvestmentsDRN-5604681 The complaint Mr S complains that IG Markets Limited liquidated his contracts for difference positions causing him significant financial losses. What happened Mr S held a contract for difference (CFD) trading account with IG Markets Limited (IG). On 5 August 2024, Mr S was ... (4 pages)View decision -
Decision Reference DRN-5921843
11 Nov 2025 U K Insurance Limited UpheldInsuranceDRN-5921843 The complaint Mr I has complained about U K Insurance Limited’s (UKI) service following a claim he made on his motor insurance policy. Mr I’s policy is branded using one of UKI’s trading names. But for simplicity I will only refer to UKI within this decision. What happened M... (3 pages)View decision