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 370903 results
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Decision Reference DRN-4922162
22 Jul 2024 Ageas Insurance Limited UpheldInsuranceDRN-4922162 The complaint Mr and Mrs G have complained about their car insurer Ageas Insurance Limited, they feel the settlement it paid to them after their car was written-off was too low. The policy is in the name of Mrs G, with Mr G as a named driver. For ease of reading through the... (3 pages)View decision -
Decision Reference DRN-4893159
22 Jul 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4893159 The complaint Mr G complains that Monzo Bank Ltd (Monzo) is refusing to refund him the amount he lost as the result of a scam. Mr G is being represented by a third party. To keep things simple, I will refer to Mr G throughout my decision. What happened The background of this... (4 pages)View decision -
Decision Reference DRN-4846295
22 Jul 2024 Aviva Insurance Limited UpheldInsuranceDRN-4846295 The complaint Mr K has complained about his property insurer Aviva Insurance Limited because it declined his claim for a theft. What happened Mr K came home in February 2023 to find a window ajar and his bedroom in disarray. He thought some items such as clothes and old mo... (4 pages)View decision -
Decision Reference DRN-4864976
22 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4864976 The complaint Mr G complains that Vanquis Bank Limited was irresponsible to lend to him. What happened Mr G was approved for a credit card with Vanquis on 22 September 2008, with subsequent credit limit increases as follows: Date Credit Limit 22 Sep 2008 £250 8 Jun 2009 £5... (2 pages)View decision -
Decision Reference DRN-4898394
22 Jul 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4898394 The complaint Mr C complains that Monzo Bank Ltd (“Monzo”) won’t refund the money he lost as a result of an employment scam. He’s being supported by a representative. To keep things simple, I’ll refer to Mr C throughout this decision. What happened The background to this c... (7 pages)View decision -
Decision Reference DRN-4921829
22 Jul 2024 Cabot Credit Management Group Limited UpheldConsumer CreditDRN-4921829 The complaint Mr H complains that Cabot Credit management Group Limited trading as Cabot Financial (Europe) Limited (Cabot) recorded a default on his credit file in relation to a debt that isn’t his. What happened The background to this complaint and my initial conclusions ... (4 pages)View decision -
Decision Reference DRN-4893610
22 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4893610 The complaint Miss H complains that Vanquis Bank Limited reported a default on her credit file. What happened Miss H holds a credit card account with Vanquis. In February 2023 she contacted Vanquis and reported a fraudulent transaction of £227 on her account. She told Vanqui... (2 pages)View decision -
Decision Reference DRN-4765887
22 Jul 2024 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-4765887 The complaint Mr H is unhappy that The Co-operative Bank Plc (‘Co-Op Bank’) hasn’t refunded all the payments he made as a result of an investment scam. What happened The details of this complaint are well known to both parties, so I will not repeat them again here. The facts... (2 pages)View decision -
Decision Reference DRN-4883358
22 Jul 2024 Bank of Scotland Plc Not upheldConsumer CreditDRN-4883358 The complaint Mr O complains that in 2017 Bank of Scotland plc, trading as Halifax, lent to him without doing the right checks. He says he had other debt which Halifax ought to have known about. Mr O says that Halifax did not account for his mental health at the time and an... (6 pages)View decision -
Decision Reference DRN-4377353
22 Jul 2024 Ageas Insurance Limited Not upheldInsuranceDRN-4377353 The complaint Mr N complains Ageas Insurance Limited unfairly have declined his claim following a fire at his property. What happened The details of this complaint are well known to the parties, so I won’t repeat them here. But briefly, and in the interest of context: Mr N... (3 pages)View decision
