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 369228 results
-
Decision Reference DRN-5315613
7 May 2025 Mercedes-Benz Financial Services UK Limited Not upheldConsumer CreditDRN-5315613 The complaint Mrs T and her representative have complained that Mercedes-Benz Financial Services UK Limited (‘Mercedes-Benz”) irresponsibly granted her a hire purchase agreement she couldn’t afford to repay. What happened In May 2018 Mrs T acquired a used car financed by a ... (3 pages)View decision -
Decision Reference DRN-5537808
7 May 2025 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-5537808 The complaint Mr P complains that a car acquired under a personal contract plan (PCP) with Mercedes- Benz Financial Services UK Limited (“MBFS”) wasn’t of satisfactory quality when it was supplied to him. Mr P has been represented throughout this complaint. But for ease of ... (4 pages)View decision -
Decision Reference DRN-5307131
7 May 2025 My Finance Club Limited Not upheldConsumer CreditDRN-5307131 The complaint Mr P complains about My Finance Club Limited registering a hard credit search on his credit file when he took out a loan with them. Also, the poor service he received when he asked them to remove it. What happened In June 2024, Mr P went on-line to take out a ... (4 pages)View decision -
Decision Reference DRN-5393731
7 May 2025 Sabre Insurance Company Limited Not upheldInsuranceDRN-5393731 The complaint Miss B complains Sabre Insurance Company Limited (“Sabre”) unfairly declined her claim and avoided her motor insurance policy from the start date. All references to Sabre include its agents. What happened Miss B bought a new car in September 2023 for £100,000... (3 pages)View decision -
Decision Reference DRN-5523272
7 May 2025 Unum Ltd Not upheldInsuranceDRN-5523272 The complaint Mr J has complained about the decline and handling of his income protection claim by Unum Ltd. What happened The background to this matter is well known to the parties. In summary Mr J has income protection insurance through his employer. This will pay benefit ... (2 pages)View decision -
Decision Reference DRN-5424718
7 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5424718 The complaint Mr W complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the limit. What happened Mr W applied for a Vanquis credit card in November 2018. In his application, Mr W said he was unemployed and h... (3 pages)View decision -
Decision Reference DRN-5164240
7 May 2025 HARBOUR ROCK CAPITAL LIMITED Not upheldPensions and AnnuitiesDRN-5164240 The complaint Mr Y complains about the advice given by Portafina Investment Management Ltd – now Harbour Rock Capital Limited – in relation to the transfer of benefits from his defined-benefit (‘DB’) occupational pension scheme to a self-invested personal pension (‘SIPP’). H... (9 pages)View decision -
Decision Reference DRN-5315839
7 May 2025 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-5315839 The complaint Miss I has complained that Creation Consumer Finance Ltd (“CCF”) rejected her claim against it under Section 75 of the Consumer Credit Act 1974. What happened In January 2024, Miss I entered into a fixed sum loan agreement with CCF to fund the purchase of a so... (4 pages)View decision -
Decision Reference DRN-5356400
7 May 2025 U K Insurance Limited Not upheldInsuranceDRN-5356400 The complaint Mr S’s complaint is about the rejection of a claim under the legal expenses section of his home insurance policy with U K Insurance Limited. What happened Mr S contacted UKI to make a claim for costs of pursuing a legal claim for clinical negligence in relatio... (11 pages)View decision -
Decision Reference DRN-5481740
7 May 2025 Brooklin Claims Consultants Ltd UpheldInsuranceDRN-5481740 The complaint Mrs M complains about the way Brooklin Claims Consultants Ltd (BCC) handled a claim, as a loss assessor, that she made on her home insurance policy. Mrs M has been represented on the claim and complaint by her representatives. For simplicity, at points, I’ve re... (5 pages)View decision
