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 366874 results
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Decision Reference DRN-4598120
29 Apr 2024 Aldermore Bank Plc Not upheldMortgagesDRN-4598120 The complaint This complaint is about a buy-to-let mortgage Mr H holds with Aldermore Bank Plc. Mr H complains that Aldermore wrote – rather than use his expressed preference of email – to invite him to apply for a new interest rate on his buy-to-let mortgage. He says that by t... (2 pages)View decision -
Decision Reference DRN-4767560
29 Apr 2024 Legal and General Assurance Society Limited UpheldInsuranceDRN-4767560 The complaint Ms W is unhappy that Legal and General Assurance Society Limited (‘L and G’) stopped paying the monthly benefit following a successful claim made on a group income protection insurance policy. What happened Ms W had the benefit of a group income protection insuran... (5 pages)View decision -
Decision Reference DRN-4767261
29 Apr 2024 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-4767261 The complaint Miss M complains that Admiral Insurance (Gibraltar) Limited (“Admiral”) has unfairly handled a claim made under her motor insurance policy, saying it returned her car to her with unresolved scratches. What happened The background of this complaint is well known be... (4 pages)View decision -
Decision Reference DRN-4768554
29 Apr 2024 Clydesdale Bank Plc Not upheldMortgagesDRN-4768554 The complaint This complaint is about a mortgage Ms B and Mr Y hold with Clydesdale Bank Plc trading as Virgin Money (Virgin). The essence of the complaint is that they believe the interest rate they’ve been charged historically, and continue to be charged, is higher than was a... (3 pages)View decision -
Decision Reference DRN-4717396
29 Apr 2024 First Response Finance Ltd Not upheldConsumer CreditDRN-4717396 Complaint Mr N complains that First Response Finance Ltd (“First Response”) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable given his circumstances at the time and so he shouldn’t have been lent t... (3 pages)View decision -
Decision Reference DRN-4712310
29 Apr 2024 Chetwood Financial Limited UpheldConsumer CreditDRN-4712310 Complaint Mr H has complained that Chetwood Financial Limited (trading as “Better Borrow”) provided him with an unaffordable loan. He says sufficient enough checks weren’t completed into his financial background before the loan was provided. Background Better Borrow provided Mr... (4 pages)View decision -
Decision Reference DRN-4750637
29 Apr 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4750637 Complaint Mr L complains that Moneybarn No. 1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the payments to the agreement were unaffordable, so he should not have been lent to. Background In December 2020, Moneybarn provided M... (3 pages)View decision -
Decision Reference DRN-4738380
29 Apr 2024 J D Williams & Company Limited Not upheldConsumer CreditDRN-4738380 Complaint Mrs W has effectively complained that J D Williams & Company Limited (trading as “Simply Be”) irresponsibly provided her with a catalogue shopping account and limit increases despite the fact that they were unaffordable. Background Mrs W was provided with a catalo... (4 pages)View decision -
Decision Reference DRN-4749646
29 Apr 2024 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4749646 Complaint Mr M has complained about a loan Mitsubishi HC Capital UK PLC (trading as “Novuna” Personal Finance) provided to him. He says that the loan was unaffordable. Background In June 2023, Mr M decided to purchase a watch. The purchase price of the watch was £8,595.00. Mr M... (3 pages)View decision -
Decision Reference DRN-4758385
29 Apr 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4758385 Complaint Mr K complains that Moneybarn No. 1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the payments to the agreement were unaffordable, so he should not have been lent to. Background In October 2018, Moneybarn provided Mr... (3 pages)View decision
