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 366700 results
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Decision Reference DRN-4757632
7 May 2024 N.I.I.B. Group Limited UpheldConsumer CreditDRN-4757632 The complaint Ms B is unhappy that a car supplied to her under a hire purchase agreement with N.I.I.B. Group Limited trading as Northridge Finance (‘Northridge’) was of an unsatisfactory quality. What happened In March 2023, Ms B was supplied with a used car through a hire purc... (3 pages)View decision -
Decision Reference DRN-4624844
7 May 2024 Hargreaves Lansdown Asset Management Limited Not upheldInvestmentsDRN-4624844 The complaint Mr L1 complains that Hargreaves Lansdown Asset Management Limited (HL) gave misleading information about an investment he bought for his children, Mr L and Miss L. He says they’d now made a substantial financial loss as a result of this misleading information and ... (8 pages)View decision -
Decision Reference DRN-4728088
7 May 2024 Casualty & General Insurance Company (Europe) Ltd UpheldInsuranceDRN-4728088 The complaint Mrs W complains about the amount Casualty & General Insurance Company (Europe) Ltd paid to settle a claim on her pet insurance policy. What happened Mrs W made a claim on her policy for vet’s fees. Casualty & General initially rejected the claim but after ... (3 pages)View decision -
Decision Reference DRN-4664977
7 May 2024 Stagemount Limited UpheldConsumer CreditDRN-4664977 The complaint Mr S, through his representative, complains that Stagemount Limited, trading as Quidmarket (“Quidmarket”), lent to him multiple times when it ought not to have done. What happened The loan table gives brief information about the loans Mr S was approved for. The ga... (7 pages)View decision -
Decision Reference DRN-4765915
7 May 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4765915 The complaint Mr and Mrs E complain that TSB Bank plc lent irresponsibly when it approved their overdraft application. What happened Mr and Mrs E have a joint account with TSB. In May 2018, they applied for an overdraft facility. TSB says it carried out the relevant lending che... (2 pages)View decision -
Decision Reference DRN-4783008
7 May 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4783008 The complaint Mr H complains that London & Colonial Services Limited (‘L&C’) failed to meet its obligations to deal with him fairly as a retail client, permitted a transfer to an unsuitable pension, which then facilitated the purchase of an unsuitable investment. He say... (46 pages)View decision -
Decision Reference DRN-4644413
7 May 2024 Marks & Spencer Financial Services plc Not upheldBanking and PaymentsDRN-4644413 The complaint Mr A complained because Marks and Spencer Financial Services Plc, trading as M&S Bank, refused to refund him for credit card cash withdrawals which he said he didn’t make. What happened On 3 April 20223, Mr A rang M&S. He said that he hadn’t made three cas... (3 pages)View decision -
Decision Reference DRN-4758224
7 May 2024 MBNA Limited Not upheldBanking and PaymentsDRN-4758224 The complaint Miss M complains that MBNA Limited lent irresponsibly when it approved her credit card application. What happened Miss M applied for a credit card with MBNA in September 2015. MBNA has explained that due to the passage of time it has no records to show what infor... (3 pages)View decision -
Decision Reference DRN-4618219
7 May 2024 HSBC UK Bank Plc Not upheldConsumer CreditDRN-4618219 The complaint Miss S is unhappy her application for a personal loan was declined and how this was handled by HSBC UK Bank Plc. What happened Miss S applied for a personal loan for £25,000 to consolidate her debts with HSBC and other lenders. HSBC declined the application and in... (2 pages)View decision -
Decision Reference DRN-4624686
7 May 2024 Santander UK Plc Not upheldConsumer CreditDRN-4624686 The complaint Mr F complains that Santander UK Plc has unfairly recorded late loan payments on his credit file. What happened Mr F has a loan with Santander that he took out in March 2020 and paid via direct debit. Mr F has explained that due to an error, his direct debit inst... (2 pages)View decision
