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-5635926
20 Jun 2025 Pathlines Pensions UK Limited UpheldPensions and AnnuitiesDRN-5635926 The complaint Mr R has a self-invested personal pension (SIPP) with London & Colonial Services Limited (“L&C”) now Pathlines Pensions UK Limited. Mr R says L&C mismanaged his SIPP and as a result it allowed investments to be made that were not appropriate invest... (34 pages)View decision -
Decision Reference DRN-4951145
20 Jun 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4951145 Complaint Mr A is unhappy that Lloyds Bank PLC didn’t reimburse him after he reported falling victim to a scam. Background The background to this case is well known to the parties, so I don’t intend to set it out in full here. By way of summary, in mid-2019 Mr A was offered ... (2 pages)View decision -
Decision Reference DRN-5630592
20 Jun 2025 IFG Pensions Limited UpheldPensions and AnnuitiesDRN-5630592 The complaint Mr C’s complaint concerns his self-invested personal pension (SIPP), provided by IFG Pensions Limited (IFG). A Claims Management Company (CMC) has brought the complaint on Mr C’s behalf. The CMC says: IFG's negligent acceptance of instructions from Howde... (20 pages)View decision -
Decision Reference DRN-5499798
20 Jun 2025 One Call Insurance Services Limited Not upheldInsuranceDRN-5499798 The complaint Mr C complains that One Call Insurance Services Limited overcharged him and took money it wasn’t entitled to after his motor insurance policy lapsed. What happened Mr C held a motor insurance policy with One Call. Part way through the policy, the direct debit s... (2 pages)View decision -
Decision Reference DRN-5636664
20 Jun 2025 Pathlines Pensions UK Limited UpheldPensions and AnnuitiesDRN-5636664 The complaint Mr L has a self-invested personal pension (SIPP) with London & Colonial Services Limited (“L&C”) now Pathlines Pensions UK Limited. Mr L says L&C mismanaged his SIPP and as a result it allowed investments to be made that were not appropriate invest... (35 pages)View decision -
Decision Reference DRN-5631963
20 Jun 2025 Pathlines Pensions UK Limited UpheldPensions and AnnuitiesDRN-5631963 The complaint Mr R has a self-invested personal pension (SIPP) with London & Colonial Services Limited (“L&C”) now Pathlines Pensions UK Limited. Mr R says L&C mismanaged his SIPP and as a result it allowed investments to be made that were not appropriate invest... (32 pages)View decision -
Decision Reference DRN-5208444
20 Jun 2025 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-5208444 The complaint Mr B has complained about a hire-purchase agreement which BMW Financial Services (GB) Limited, trading as BMW Financial Services (“BMW”) provided to him. Mr B says he couldn’t afford to repay the agreement, and BMW would’ve known this if it had carried out a su... (12 pages)View decision -
Decision Reference DRN-5369609
20 Jun 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5369609 The complaint Mr B complains Oodle Financial Services Limited trading as Oodle Car Finance (Oodle) irresponsibly entered into a car finance agreement with him because it didn’t carry out appropriate checks to ensure the lending was affordable for him. What happened Mr B ent... (5 pages)View decision -
Decision Reference DRN-5613791
20 Jun 2025 Loans 2 Go Limited UpheldConsumer CreditDRN-5613791 The complaint Ms M complains that Loans 2 Go Limited (“Loans 2 Go”) sold her loan account to a debt purchaser without informing her and provided her with unclear information about her account balance. What happened Ms M held a loan account with Loans 2 Go. The account fell ... (4 pages)View decision -
Decision Reference DRN-5337891
20 Jun 2025 Oodle Financial Services Limited UpheldConsumer CreditDRN-5337891 The complaint Mrs B complains about the quality of the car supplied to her by Oodle Financial Services Limited trading as Oodle Car Finance (“Oodle”). What happened Mrs B was supplied with a used car in March 2023 via a hire purchase agreement with Oodle. It was around eight... (4 pages)View decision