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A consumer complains about a loan her ex-husband took out in her name 

Decisions and case studies / Case studies

Catherine's bank wouldn't release her from a debt, which her husband had taken out using her identity. She got in touch to see if we could help resolve it.

Consumer Credit

Published 29/04/2021    Last updated 14/07/2025

Reena’s medical treatment was delayed due to Covid-19 

Decisions and case studies / Case studies

Reena was unhappy that her insurer wouldn’t refund her premiums when her medical treatment was delayed due to Covid-19. We established that the insurer had offered an alternative treatment – at a time when its facilities were being used by the NHS. We decided the insurer had acted fairly.

Private Medical Insurance Covid-19

Published 24/05/2021    Last updated 14/07/2025

Tomasz’s insurer declined his income protection claim – saying he’d misrepresented his medical history 

Decisions and case studies / Case studies

Tomasz’s insurer declined his income protection claim and cancelled his policy, telling him he’d misrepresented his medical history. We found he hadn’t given the insurer the information it had asked for – and that it wouldn’t have covered him if he had.

Insurance Income Protection

Published 24/05/2021    Last updated 14/07/2025

Geraldine lost money on a spread-betting platform 

Decisions and case studies / Case studies

Geraldine made significant losses on a spread-betting platform. She believed the platform was making money by getting referrals from a workshop that taught poor trading strategies. We didn’t find evidence that the platform gained from clients’ losses.

Investments Distress and inconvenience

Published 24/05/2021    Last updated 14/07/2025

Tim is unhappy about his logbook loans, which he feels were unaffordable 

Decisions and case studies / Case studies

Tim got in touch with us about a series of logbook loans which he said were unaffordable.

Logbook Loans

Published 23/09/2021    Last updated 14/07/2025

Emma contacted us about the distress she experienced, when she couldn’t pay a logbook loan which she said was unaffordable 

Decisions and case studies / Case studies

Emma brought a complaint to us about her lender, when they refused her request to be compensated for the distress she felt she'd experienced.

Logbook Loans

Published 23/09/2021    Last updated 14/07/2025

Consumer brings complaint after a business mistakenly transfers her pension funds  

Decisions and case studies / Case studies

Carol contacted us after a business had mistakenly transferred her pension funds. 

Pensions Distress and inconvenience ...

Published 12/10/2021    Last updated 14/07/2025

Couple complains after their insurer took too long to repair damages caused by a leak in their kitchen  

Decisions and case studies / Case studies

Aftab and Naima were advised by their insurer it would take two months to repair damages caused by a leak in their kitchen. Their insurer arranged temporary accommodation while the repairs were carried out. After it took over a year,  Aftab and Naima discovered it had caused more problems.

Insurance Distress and inconvenience ...

Published 13/10/2021    Last updated 14/07/2025

Consumer has a family bereavement in the six-month time limit 

Decisions and case studies / Case studies

Emily complained to us after the six-month time limit. Her mother had died shortly before the time limit expired and this clearly counted as exceptional circumstances.

Consumer Credit Time limits ...

Published 17/01/2022    Last updated 14/07/2025

Consumer changes their mind about complaining to us 

Decisions and case studies / Case studies

George referred his complaint about his mortgage lender after the time limits had expired. He told us he’d found the business's final response letter intimidating and didn’t think he’d win his case.

Mortgages Time limits ...

Published 17/01/2022    Last updated 14/07/2025

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