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 365917 results
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Decision Reference DRN-5235018
23 Jan 2025 Madison CF UK Limited Not upheldBanking and PaymentsDRN-5235018 The complaint Mrs J complains that Madison CF UK Limited trading as 118 118 Money irresponsibly lent to her. Mrs J is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as b... (3 pages)View decision -
Decision Reference DRN-5275066
23 Jan 2025 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-5275066 The complaint Mr H is unhappy with the repairs Admiral Insurance (Gibraltar) Limited (Admiral) carried out on his vehicle under his motor insurance policy. What happened In January 2024 Mr H was unfortunately involved in an accident and so submitted a claim to his motor insu... (3 pages)View decision -
Decision Reference DRN-5280930
23 Jan 2025 Madison CF UK Limited UpheldConsumer CreditDRN-5280930 The complaint Mr C complains that Madison CF UK Limited trading as 118 118 Money lent irresponsibly when it approved four loan applications he made between 2019 and 2023. What happened The background to this complaint and my initial conclusions were set out in a provisional... (4 pages)View decision -
Decision Reference DRN-5216382
23 Jan 2025 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-5216382 The complaint Mrs K complains that National Westminster Bank Plc (NatWest) has not fully refunded her for the loss she has suffered as a result of a scam. What happened Mrs K was friends with a woman I will call A, they had known each other for many years. So, in 2017, when... (4 pages)View decision -
Decision Reference DRN-5256766
23 Jan 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5256766 The complaint Mr S complains that Capital One (Europe) plc lent irresponsibly when it approved his credit card application. What happened Mr S applied for a credit card with Capital One in June 2023. In his application, Mr S said he was employed with an income of £32,500. M... (3 pages)View decision -
Decision Reference DRN-5281147
23 Jan 2025 Healthcare Finance Limited UpheldConsumer CreditDRN-5281147 The complaint Ms V complains about how Healthcare Finance Limited (‘HFL’) responded to a claim she made to it in respect of dental treatment she paid for using the fixed sum loan it provided. What happened While I might not comment on everything (only what I consider key) th... (6 pages)View decision -
Decision Reference DRN-4780586
23 Jan 2025 IG Markets Limited Not upheldInvestmentsDRN-4780586 The complaint Mr G complains IG Markets Limited (‘IGUK’) unfairly suspended his CFD trading account following a change of address. He is also unhappy IGUK charged him fees during that suspension. What happened Mr G opened a CFD trading account with IGUK in 2016, and also ha... (4 pages)View decision -
Decision Reference DRN-5222678
23 Jan 2025 American Express Services Europe Limited (AESEL) Not upheldBanking and PaymentsDRN-5222678 The complaint Mr C complains that American Express Services Europe Limited (AESEL) irresponsibly lent to him. What happened Mr C applied for an Amex credit card in August 2022. His application was accepted, and he was given an £8,500 credit limit. Mr C says Amex irresponsibl... (3 pages)View decision -
Decision Reference DRN-5240467
23 Jan 2025 Scottish Equitable Plc Not upheldPensions and AnnuitiesDRN-5240467 The complaint Mr A has complained about a transfer of his Scottish Equitable Plc pension to a Qualifying Recognised Overseas Pension Scheme (“QROPS”) in Gibraltar in September 2014. Mr A’s QROPS was subsequently used to invest Trafalgar Multi Asset Fund. The investment now a... (10 pages)View decision -
Decision Reference DRN-5089700
23 Jan 2025 Healthcare Finance Limited Not upheldConsumer CreditDRN-5089700 The complaint Mrs G complains that Healthcare Finance Limited (“HFL”) failed to pay out on a claim she made to it about the failure of a supplier to deliver the dental treatment which she paid for with credit it provided. What happened In September 2022 Mrs G entered into a ... (4 pages)View decision
