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 369228 results
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Decision Reference DRN-5133229
26 Nov 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-5133229 The complaint Mr W complains that Zopa Bank Limited offered him a pre-approved loan with a guaranteed APR of 10.5% but once his application was approved the APR was 10.7%. What happened On 4 July 2024 Mr W obtained quotes via a comparison website for a pre-approved loan of £... (3 pages)View decision -
Decision Reference DRN-4908526
26 Nov 2024 Wise Payments Limited Not upheldBanking and PaymentsDRN-4908526 The complaint Mr M complains Wise Payments Limited trading as Wise didn’t do enough to protect him when he fell victim to a job scam. What happened Mr M had an account with Wise which he opened in March 2020. His account has since been closed. Mr M says she was contacted by ... (2 pages)View decision -
Decision Reference DRN-4984814
26 Nov 2024 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4984814 The complaint Mr P complains about a car he acquired with credit provided by Specialist Motor Finance Limited (“SMF”). What happened In June 2023 Mr P entered into a regulated hire purchase agreement with SMF to finance his purchase of a used car. He paid a deposit of £100. ... (4 pages)View decision -
Decision Reference DRN-5169785
26 Nov 2024 Advantage Insurance Company Limited Not upheldInsuranceDRN-5169785 The complaint Mr W has complained about Advantage Insurance Company Limited’s handling of a windscreen claim under his car insurance policy. What happened Mr W had a comprehensive car insurance policy with Advantage, including cover for windscreen damage. Mr W made a claim f... (3 pages)View decision -
Decision Reference DRN-5123085
26 Nov 2024 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5123085 The complaint Mr C complains about a fixed sum loan agreement with Mitsubishi HC Capital UK plc, trading as Novuna Personal Finance, that he used to pay for some fitted furniture. What happened Mr C entered into a fixed sum loan agreement with a lender that it now known as N... (3 pages)View decision -
Decision Reference DRN-4982438
26 Nov 2024 Financial Administration Services Limited Not upheldInvestmentsDRN-4982438 The complaint Mr B is unhappy with Financial Administration Services Limited (FASL). Mr B had a Regular Savings Plan (RSP) payment going every month into his son’s Junior ISA (JISA). The payment was cancelled, and Mr B is unhappy about the cancellation and the loss of invest... (3 pages)View decision -
Decision Reference DRN-5083359
26 Nov 2024 AWP P&C S.A. UpheldInsuranceDRN-5083359 The complaint Mr H and Ms J complain about AWP P&C S.A’s settlement of their travel insurance claim. My references to AWP include its agents which includes the business that our Investigator referred to in her correspondence. What happened Mr H and Ms J had an annual t... (4 pages)View decision -
Decision Reference DRN-5009426
26 Nov 2024 AXA Insurance UK Plc Not upheldInsuranceDRN-5009426 The complaint Mr and Mrs O have complained about AXA Insurance UK Plc’s decision to turn down their claim under their Home Insurance policy for damage to their property. What happened Mr and Mrs O’s property was rented out and they decided to sell it to the current tenants. ... (2 pages)View decision -
Decision Reference DRN-5036337
26 Nov 2024 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-5036337 The complaint Miss J complains that Tesco Personal Finance PLC (“Tesco Bank”) approved a credit card for her and then continued to increase the credit limits when she could not afford the credit. What happened Tesco Bank has supplied some details of the card. It was approved... (5 pages)View decision -
Decision Reference DRN-4892902
26 Nov 2024 Black Horse Limited UpheldConsumer CreditDRN-4892902 The complaint Mr S complains about a motorbike acquired through a Hire Purchase agreement with Black Horse Limited (‘Black Horse’). Mr S said when his engine was being upgraded, metal debris was found in the engine. This was repaired under warranty, but he was left without a... (5 pages)View decision
