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 360264 results
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Decision Reference DRN-5145875
15 Nov 2024 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5145875 The complaint Mr G complains through a representative that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided him with loans without properly checking his finances. What happened Mr G was granted four loans and a summary of his borrowing can ... (4 pages)View decision -
Decision Reference DRN-4636513
15 Nov 2024 Black Horse Limited UpheldConsumer CreditDRN-4636513 The complaint Miss S complains about the quality of a new car that was supplied through a hire purchase agreement with Black Horse Limited trading as Land Rover Financial Services (BHL). What happened In February 2021 Miss S entered into a hire purchase agreement with BHL to... (4 pages)View decision -
Decision Reference DRN-4813516
15 Nov 2024 Secure Trust Bank Plc UpheldConsumer CreditDRN-4813516 The complaint Mr R’s complaint is that a car supplied to him under a hire purchase agreement (‘HPA’) with Secure Trust Bank Plc trading as V12 Vehicle Finance (‘STB’) had a mileage discrepancy that was not disclosed to him at the time of supply. Mr R says that had he known a... (4 pages)View decision -
Decision Reference DRN-5148692
15 Nov 2024 Scottish Widows Limited Not upheldPensions and AnnuitiesDRN-5148692 The complaint Mr B has complained our text about a transfer of his Scottish Widows Limited personal pension to a self-invested personal pension (SIPP) in 2014. Mr B’s SIPP was subsequently used to invest in an overseas property development company. The investment now appears... (10 pages)View decision -
Decision Reference DRN-5109819
15 Nov 2024 Zurich Insurance PLC Not upheldInsuranceDRN-5109819 The complaint H, a retail business, complains about Zurich Insurance PLC’s decision to decline a claim made under H’s shop insurance policy. What happened The background to this complaint is well known to both parties, so I’ll provide only a brief summary here. H has a shop ... (3 pages)View decision -
Decision Reference DRN-4988118
15 Nov 2024 Mi Vehicle Finance Limited Not upheldConsumer CreditDRN-4988118 The complaint Mr R complains that MI Vehicle Finance Limited, trading as Mann Island Finance (‘MIF’) reported inaccurate information to his credit file. What happened Mr R entered into a hire purchase agreement with MIF in January 2019 to fund a car. Following an insurance c... (2 pages)View decision -
Decision Reference DRN-5148815
15 Nov 2024 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-5148815 The complaint and what happened Mr H has complained about Mitsubishi HC Capital UK Plc, trading as Hitachi Capital Consumer Finance’s (“Mitsubishi’s”) response to a claim he made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’) and in relation to allegat... (7 pages)View decision -
Decision Reference DRN-5126899
15 Nov 2024 Legal and General Assurance Society Limited Not upheldInsuranceDRN-5126899 The complaint Mrs M is unhappy that Legal and General Assurance Society Limited declined a claim on a life insurance policy. What happened Mrs M took out a joint life insurance policy with her late husband (Mr I) in 2014. When Mr I sadly died she claimed on the policy for th... (3 pages)View decision -
Decision Reference DRN-5149264
15 Nov 2024 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5149264 The complaint Ms Y complains The Royal Bank of Scotland trading as Halifax closed her credit card account and cancelled her debit card without her agreement. She further complains Halifax delayed providing her with a replacement debit card, she isn’t receiving statements and... (5 pages)View decision -
Decision Reference DRN-4918120
15 Nov 2024 Assetz SME Capital Limited Not upheldInvestmentsDRN-4918120 The complaint Mrs N complains Assetz SME Capital Limited (“Assetz”) has introduced an unfair fee on her crowdfunding account. What happened In December 2023, Assetz announced that it had decided to close its retail platform and conduct a solvent run-off of its retail loan bo... (8 pages)View decision
