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
-
Decision Reference DRN-4733760
10 Apr 2024 Bamboo Limited UpheldConsumer CreditDRN-4733760 The complaint Mr L complains that Bamboo Limited (“Bamboo”) gave him a loan which was unaffordable for him and therefore lent irresponsibly. What happened In January 2023 Mr L took out a loan from Bamboo for £10,000. This was to be repaid over 60 months, at monthly repayment of... (4 pages)View decision -
Decision Reference DRN-4729927
10 Apr 2024 Tandem Personal Loans Ltd Not upheldConsumer CreditDRN-4729927 The complaint Mr D complains, in summary, that a timeshare product was misrepresented to him. The purchase was financed with a loan provided by Honeycomb Finance Limited (“Honeycomb”). That loan has now been transferred to Oplo PL Ltd, but for ease of reference I’ll refer to th... (5 pages)View decision -
Decision Reference DRN-4722269
10 Apr 2024 Tandem Personal Loans Ltd Not upheldConsumer CreditDRN-4722269 The complaint Mr T says Tandem Personal Loans Ltd irresponsibly lent to him. What happened Mr T had two unsecured personal loans from Tandem. Loan 1 was taken out in October 2017 and was for £3,000 over 36 months. The monthly repayments were £120.54. Loan 2 was taken out in Apr... (4 pages)View decision -
Decision Reference DRN-4716956
10 Apr 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4716956 The complaint Miss N complains that HSBC UK Bank Plc (HSBC) won’t refund money she lost in an impersonation scam. What happened What Miss N says: On 29 September 2023, Miss N got an email which purported to be from her manager where she worked. It asked her to buy eight gift ca... (3 pages)View decision -
Decision Reference DRN-4536224
10 Apr 2024 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4536224 The complaint Ms H complains that Clydesdale Bank Plc trading as Virgin Money failed to process her application for a Recovery Loan and failed to properly support her as a disabled customer. What happened Ms H applied for a government-backed Recovery Loan with Virgin Money for ... (3 pages)View decision -
Decision Reference DRN-4732449
10 Apr 2024 Just Retirement Limited UpheldPensions and AnnuitiesDRN-4732449 The complaint Mrs G complains that Just Retirement Limited (Just) made an error which financially disadvantaged her when she bought her annuity. Mrs G is represented in her complaint by her Financial Adviser (FA). But I’ll only refer to her in my decision. What happened Despite... (6 pages)View decision -
Decision Reference DRN-4673873
10 Apr 2024 BISL Limited Not upheldInsuranceDRN-4673873 The complaint Miss B complained that her broker, BISL Limited (“BISL”) unfairly cancelled her motor policy because it had identified anomalies in the details used when she applied for her policy. She said this led to her paying higher premiums. What happened Miss B provided her... (2 pages)View decision -
Decision Reference DRN-4697701
10 Apr 2024 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4697701 The complaint Mr S complains that Clydesdale Bank Plc did not contact him when he had a large sum of money to invest. He says that, as a result, he lost out on interest he could have earned on his money. What happened In or around December 2023 Mr S received a substantial six-f... (2 pages)View decision -
Decision Reference DRN-4712148
10 Apr 2024 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4712148 The complaint Miss J complains that Tesco Personal Finance PLC (trading as Tesco Bank) was irresponsible to lend to her. What happened Miss J was approved for a credit card with Tesco as follows: Date Limit Initial application 5 Jun 2022 £1,400 Credit Limit increase 13 Oct 2023... (3 pages)View decision -
Decision Reference DRN-4307691
10 Apr 2024 Aviva Life & Pensions UK Limited Not upheldPensions and AnnuitiesDRN-4307691 The complaint Mrs K complains that Aviva Life & Pensions UK Limited (Aviva) gave her unsuitable advice to start contributions to a Free Standing Additional Voluntary Contribution (FSAVC) plan. Another business, which is now part of Aviva, provided the advice. But Aviva is r... (6 pages)View decision
