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A consumer is coerced into being a loan guarantor by a family member 

Decisions and case studies / Case studies

Nadia was forced into being a guarantor on a loan by a relative, but when she told the lenders, they didn't help her. So she came to us for help.

Consumer Credit Distress and inconvenience

Published 29/04/2021    Last updated 09/12/2025

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 is suspicious of spread betting platform 

Decisions and case studies / Case studies

Geraldine thought the platform had set her up to fail and made money from referrals from a workshop that taught poor trading strategies.

Investments Distress and inconvenience

Published 24/05/2021    Last updated 17/03/2026

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 09/12/2025

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 complains about poor repairs carried out under a credit repair agreement 

Decisions and case studies / Case studies

John’s broker referred him to an Accident Management Company (AMC) to repair the damages on his family car. He wasn’t happy with the repairs and that he was referred to an AMC.

Motor Insurance

Published 27/06/2023    Last updated 11/07/2025

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