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 365360 results
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Decision Reference DRN-4583076
13 Feb 2024 Gain Credit LLC Not upheldConsumer CreditDRN-4583076 The complaint Mr S complains through a representative that Gain Credit LLC trading as Lending Stream (“Lending Stream”) failed to conduct proportionate affordability checks before it lent to him. What happened A summary of Mr S’s borrowing can be found in the table below. loan... (3 pages)View decision -
Decision Reference DRN-4407187
13 Feb 2024 Marks & Spencer Financial Services plc UpheldConsumer CreditDRN-4407187 The complaint Mrs R is complaining about Marks & Spencer Financial Services Plc because she says a loan it provided shouldn’t have been given to her. She says it was unaffordable because of her existing commitments. What happened In July 2022, Mrs R took a personal loan wit... (4 pages)View decision -
Decision Reference DRN-4610938
13 Feb 2024 Travel Insurance Facilities Plc UpheldInsuranceDRN-4610938 The complaint Mr and Mrs H have complained that Travel Insurance Facilities Plc (TIF) delayed in passing on information about how a medical declaration would affect their travel insurance cover. What happened TIF were the administrators of Mr and Mrs H’s annual travel insurance... (2 pages)View decision -
Decision Reference DRN-4495496
13 Feb 2024 Madison CF UK Limited Not upheldConsumer CreditDRN-4495496 Complaint Mrs H has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to her. She says that the loan was irresponsibly lent as it was unaffordable. Background 118 118 Money provided Mrs H with a first loan for £2,500.00 in June 2023. This loan ... (3 pages)View decision -
Decision Reference DRN-4615557
13 Feb 2024 Ageas Insurance Limited UpheldInsuranceDRN-4615557 The complaint Mrs C has complained about Ageas Insurance Limited. She isn’t happy about the deductions made from her settlement when her car was written off after a claim under her motor insurance policy. What happened I looked at this case and provided my initial thoughts in m... (2 pages)View decision -
Decision Reference DRN-4589215
12 Feb 2024 Saga Services Limited Not upheldInsuranceDRN-4589215 The complaint Mr H complains that Saga Services Limited (“Saga”) didn’t provide him with the cheapest price when offering him a quote for a home insurance policy from their panel of insurers. He also complains they didn’t meet their commitment to fix the price of his policy for... (3 pages)View decision -
Decision Reference DRN-4614351
12 Feb 2024 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-4614351 The complaint Mrs B has complained about a kitchen she paid for using a fixed sum loan with Clydesdale Financial Services Limited trading as Barclays Partner Finance (BPF). Mrs B has been represented at times but, to keep things simple, I’ll refer to Mrs B throughout. What happ... (8 pages)View decision -
Decision Reference DRN-4581839
12 Feb 2024 Interactive Investor Services Limited Not upheldInvestmentsDRN-4581839 The complaint Mr R complains that Interactive Investor Services Limited (trading as ‘Interactive Investor’ and referred to in its terms of service as ‘IISL’) failed to obtain the best price when executing his market order for the sale of some of his shares. Mr R believes that h... (3 pages)View decision -
Decision Reference DRN-4614730
12 Feb 2024 UBS AG UpheldInvestmentsDRN-4614730 The complaint Mr A says UBS AG misled him on 11 July 2022 by recommending an investment in Sanofi shares despite having information, which it withheld from him, about foreseeable problems likely to affect the shares’ value. He also alleges that UBS breached regulatory and contr... (12 pages)View decision -
Decision Reference DRN-4543632
12 Feb 2024 Skipton Building Society Not upheldBanking and PaymentsDRN-4543632 The complaint Mr F is unhappy that he encountered difficulty when attempting to fund an ISA he held with Skipton Building Society from a saving account he held with another building society. What happened Mr F’s complaint involves an attempted transfer between two building soci... (3 pages)View decision
