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 370149 results
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Decision Reference DRN-4564432
29 May 2024 Motherwell and District Credit Union UpheldBanking and PaymentsDRN-4564432 The complaint Ms J complains Motherwell and District Credit Union (MDCU) provided poor service. What happened Ms J was looking to borrow some money from MDCU and contacted it to ask how much she might be able to borrow. Ms J was told she’d be able to ‘share load’, pay money int... (4 pages)View decision -
Decision Reference DRN-4821559
29 May 2024 QIC Europe Ltd UpheldInsuranceDRN-4821559 The complaint Mr T complains about the way QIC Europe Limited handled a claim he made on his home insurance policy following an escape of water. What happened In November 2022, Mr T found a leak under the floor in his property when some underfloor insulation was being fitted. H... (5 pages)View decision -
Decision Reference DRN-4808730
29 May 2024 Insure & Go Insurance Services Ltd UpheldInsuranceDRN-4808730 The complaint Mr and Mrs M complain about the way Insure & Go Insurance Services Ltd (I&G) has administered their travel insurance policy. What happened The background to this complaint is well-known to both parties. So I’ve simply set out a summary of what I think are ... (5 pages)View decision -
Decision Reference DRN-4007718
29 May 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4007718 The complaint Ms B has complained about Creation Consumer Finance Ltd’s (‘Creation’) response to a claim she made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’) and in relation to allegations of an unfair relationship taking in to account Section 140A (‘s... (5 pages)View decision -
Decision Reference DRN-4696704
29 May 2024 Gain Credit LLC Not upheldConsumer CreditDRN-4696704 The complaint Mr J says Gain Credit LLC, trading as Lending Stream, provided him with a high-cost, short- term instalment loan that was unaffordable for him. What happened Lending Stream provided Mr J with a single loan in January 2020. The loan was for £600 and was due to be r... (4 pages)View decision -
Decision Reference DRN-4814020
29 May 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4814020 The complaint Ms O complains HSBC UK Bank plc (HSBC) unfairly debited her bank account after incorrectly crediting her account with a larger sum, without any notice. What happened Ms O says in February 2024 she received an email from a business informing her a direct debit had ... (3 pages)View decision -
Decision Reference DRN-4795659
29 May 2024 Go Car Credit Limited Not upheldConsumer CreditDRN-4795659 Complaint Mrs J complains that Go Car Credit Limited (“Go Car Credit”) unfairly entered into a hire- purchase agreement with her. She’s effectively said that the payments to the agreement were unaffordable and so it therefore shouldn’t have been provided to her. Background In M... (3 pages)View decision -
Decision Reference DRN-4795911
29 May 2024 Next Retail Limited Not upheldConsumer CreditDRN-4795911 The complaint Mr C complains that Next Retail Limited trading as Next provided him with credit he says he couldn’t afford to repay. What happened Mr C took out a catalogue shopping account with Next in May 2021. He was provided with a credit limit of £300, which wasn’t increase... (2 pages)View decision -
Decision Reference DRN-4691993
29 May 2024 Aviva Insurance Limited Not upheldInsuranceDRN-4691993 The complaint Mr and Mrs M complain about how Aviva Insurance Limited handled and settled a claim they made under their home insurance policy for damage to their kitchen worktop. What happened Mr and Mrs M hold a home insurance policy which is provided by Aviva Insurance Limite... (4 pages)View decision -
Decision Reference DRN-4691553
28 May 2024 Resolution Compliance Limited Not upheldInvestmentsDRN-4691553 The complaint Mr R complains that Revolut Trading Limited (‘RTL’), an appointed representative of Resolution Compliance Limited, restricted his access to his share dealing account in late 2021 due to regulatory requirements following the expiry of the transition period after th... (3 pages)View decision
