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 364766 results
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Decision Reference DRN-5149489
15 Nov 2024 Madison CF UK Limited Not upheldBanking and PaymentsDRN-5149489 The complaint Mr B is unhappy Madison CF UK Limited, trading as 118 118 Money (‘118 118’) placed a default on his credit file in relation to a credit card, while he was in a payment plan. What happened I issued my Provisional Decision to both parties on 18 October 2024 setti... (9 pages)View decision -
Decision Reference DRN-5113773
15 Nov 2024 Ageas Insurance Limited Not upheldInsuranceDRN-5113773 The complaint Mr A complains about the way Ageas Insurance Limited (“Ageas”) decided liability for a claim made by a third party under his car insurance policy. What happened Mr A had a car insurance policy with Ageas, which was taken out through a broker. In early September... (3 pages)View decision -
Decision Reference DRN-5145875
15 Nov 2024 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5145875 The complaint Mr G complains through a representative that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided him with loans without properly checking his finances. What happened Mr G was granted four loans and a summary of his borrowing can ... (4 pages)View decision -
Decision Reference DRN-4636513
15 Nov 2024 Black Horse Limited UpheldConsumer CreditDRN-4636513 The complaint Miss S complains about the quality of a new car that was supplied through a hire purchase agreement with Black Horse Limited trading as Land Rover Financial Services (BHL). What happened In February 2021 Miss S entered into a hire purchase agreement with BHL to... (4 pages)View decision -
Decision Reference DRN-4813516
15 Nov 2024 Secure Trust Bank Plc UpheldConsumer CreditDRN-4813516 The complaint Mr R’s complaint is that a car supplied to him under a hire purchase agreement (‘HPA’) with Secure Trust Bank Plc trading as V12 Vehicle Finance (‘STB’) had a mileage discrepancy that was not disclosed to him at the time of supply. Mr R says that had he known a... (4 pages)View decision -
Decision Reference DRN-5148692
15 Nov 2024 Scottish Widows Limited Not upheldPensions and AnnuitiesDRN-5148692 The complaint Mr B has complained our text about a transfer of his Scottish Widows Limited personal pension to a self-invested personal pension (SIPP) in 2014. Mr B’s SIPP was subsequently used to invest in an overseas property development company. The investment now appears... (10 pages)View decision -
Decision Reference DRN-5109819
15 Nov 2024 Zurich Insurance PLC Not upheldInsuranceDRN-5109819 The complaint H, a retail business, complains about Zurich Insurance PLC’s decision to decline a claim made under H’s shop insurance policy. What happened The background to this complaint is well known to both parties, so I’ll provide only a brief summary here. H has a shop ... (3 pages)View decision -
Decision Reference DRN-4988118
15 Nov 2024 Mi Vehicle Finance Limited Not upheldConsumer CreditDRN-4988118 The complaint Mr R complains that MI Vehicle Finance Limited, trading as Mann Island Finance (‘MIF’) reported inaccurate information to his credit file. What happened Mr R entered into a hire purchase agreement with MIF in January 2019 to fund a car. Following an insurance c... (2 pages)View decision -
Decision Reference DRN-5148815
15 Nov 2024 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-5148815 The complaint and what happened Mr H has complained about Mitsubishi HC Capital UK Plc, trading as Hitachi Capital Consumer Finance’s (“Mitsubishi’s”) response to a claim he made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’) and in relation to allegat... (7 pages)View decision -
Decision Reference DRN-5126899
15 Nov 2024 Legal and General Assurance Society Limited Not upheldInsuranceDRN-5126899 The complaint Mrs M is unhappy that Legal and General Assurance Society Limited declined a claim on a life insurance policy. What happened Mrs M took out a joint life insurance policy with her late husband (Mr I) in 2014. When Mr I sadly died she claimed on the policy for th... (3 pages)View decision
