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 363925 results
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Decision Reference DRN-4517463
15 Feb 2024 Premium Credit Limited Not upheldInsuranceDRN-4517463 The complaint Mr A has complained that Premium Credit Limited collected a premium under a credit agreement after he had paid the balance for a commercial vehicle insurance policy in full. He’s unhappy that Premium Credit have asked him to refund the payment as it received an in... (2 pages)View decision -
Decision Reference DRN-4623715
15 Feb 2024 One Call Insurance Services Limited UpheldInsuranceDRN-4623715 The complaint Mr V complained that his broker, One Call Insurance Services Limited (“One Call”), didn’t provide him with the option to cancel the automatic renewal of his policy online via its portal. What happened When Mr V initially took out his policy it contained an auto re... (3 pages)View decision -
Decision Reference DRN-4594397
15 Feb 2024 Tandem Personal Loans Ltd Not upheldConsumer CreditDRN-4594397 The complaint Mr N complains that a timeshare product was misrepresented to him and that the timeshare company is in breach of contract. The purchase was financed with credit provided by Honeycomb Finance Limited (“Honeycomb”). That loan has now been transferred to Tandem Perso... (6 pages)View decision -
Decision Reference DRN-4600550
15 Feb 2024 Wakam Not upheldInsuranceDRN-4600550 The complaint Mr E complained that Wakam unreasonably and unfairly refused to cover his claim under his pet policy. References to Wakam includes all its agents including the insurance intermediary which Mr E was primarily dealing with throughout, for the purposes of this compla... (5 pages)View decision -
Decision Reference DRN-4561081
15 Feb 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4561081 The complaint Mr S complains that Lloyds Bank PLC reduced the limit on his credit card on two occasions without giving prior notice. What happened Mr S holds a credit card account with Lloyds. The card was taken out many years ago, and it seems Mr S had a credit limit of £17,0... (2 pages)View decision -
Decision Reference DRN-4408028
15 Feb 2024 Financial Administration Services Limited Not upheldInvestmentsDRN-4408028 The complaint Mr A has complained about a failed application for a Regular Savings Plan (‘RSP’) with Financial Administration Services Limited (‘Fidelity’) which led to him being charged increased account service fees. He would like for the increases he has paid to be refunded ... (4 pages)View decision -
Decision Reference DRN-4623527
15 Feb 2024 RCI Financial Services Limited Not upheldConsumer CreditDRN-4623527 Complaint Mrs S complains that RCI Financial Services Limited (trading as “Renault Finance”) unfairly entered into a hire-purchase agreement with her. She’s said her credit score was very poor at the time and so she shouldn’t have been accepted for this agreement. Background In... (3 pages)View decision -
Decision Reference DRN-4623585
15 Feb 2024 Marks & Spencer Financial Services plc UpheldConsumer CreditDRN-4623585 The complaint Mr G has complained that M&S Financial Services Plc (“M&S”) irresponsibly lent to him when it granted him a credit card. What happened Mr G opened a credit card account with M&S in August 2019. One month later M&S agreed to increase his credit limi... (3 pages)View decision -
Decision Reference DRN-4619819
15 Feb 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-4619819 Complaint Mr D has complained about a loan Loans 2 Go Limited (“L2G”) provided to him. He says the loan was unaffordable and this would have been determined had proportionate checks been carried out. Background L2G provided Mr D with a loan for £1,750.00 in October 2022. The lo... (4 pages)View decision -
Decision Reference DRN-4618225
15 Feb 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4618225 The complaint Mr B complains that Lloyds Bank PLC trading as MBNA replaced his credit card without telling him or sending him a new one, meaning he was unable to take advantage of an interest-free promotion. What happened Mr B holds a credit card account with MBNA. In May 2023,... (4 pages)View decision
