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 118606 results
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Decision Reference DRN-4647308
27 Feb 2024 FUND OURSELVES LIMITED UpheldConsumer CreditDRN-4647308 The complaint Mr E has complained to us about an error made by Fund Ourselves Limited (“Fund Ourselves”) when it incorrectly reported payments as having been made late on his credit file. What happened Mr E took out a loan with Fund Ourselves in February 2019. He is unhappy tha... (2 pages)View decision -
Decision Reference DRN-4647097
27 Feb 2024 Chaucer Insurance Company Designated Activity Company UpheldInsuranceDRN-4647097 The complaint Mr and Mrs S are unhappy that Chaucer Insurance Company Designated Activity Company hasn’t accepted all claims made under their travel insurance policy (the policy). What happened Mr and Mrs S travelled abroad with their daughter. Whilst away, Mr S became unwell w... (5 pages)View decision -
Decision Reference DRN-4410246
27 Feb 2024 Sesame Limited UpheldPensions and AnnuitiesDRN-4410246 The complaint Mr S complains, through his representative, that he was given unsuitable advice to transfer his deferred defined benefit (DB) scheme benefits to a personal pension in 1992. The advice to transfer was given by a business for which Sesame Limited (Sesame) is now res... (6 pages)View decision -
Decision Reference DRN-4440496
27 Feb 2024 Evolution Lending Limited UpheldMortgagesDRN-4440496 The complaint Mr R complains that Evolution Lending Limited irresponsibly lent him two second charge mortgages (secured loans). What happened Following advice from a broker, Mr R took out a second charge loan with Evolution in June 2018. He borrowed around £10,500 at an interes... (4 pages)View decision -
Decision Reference DRN-4356803
27 Feb 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4356803 The complaint Mr R complains HSBC UK Bank plc (HSBC) failed to trace an overseas transfer he made into his account with them and unfairly blamed the sending bank for its non-receipt causing him over several months, stress, upset and unnecessary travel expenses. What happened Mr... (3 pages)View decision -
Decision Reference DRN-4631884
27 Feb 2024 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-4631884 The complaint C, a company, complains about the progress of a claim it made under its Royal & Sun Alliance Insurance Limited (‘RSA’) rent protection insurance policy. C’s complaint is made is by Mr H, but for ease of reference I shall refer to all submissions as being C’s o... (3 pages)View decision -
Decision Reference DRN-4642143
27 Feb 2024 Tesco Personal Finance PLC UpheldConsumer CreditDRN-4642143 The complaint Mr T complains that Tesco Personal Finance PLC, trading as Tesco Bank, rejected his application for a loan without giving adequate reasons for the decline. What happened I issued a provisional decision on this complaint in January 2024. A copy of that provisional ... (2 pages)View decision -
Decision Reference DRN-4645579
27 Feb 2024 Quidie Limited UpheldConsumer CreditDRN-4645579 The complaint Mr C complains through a representative that Quidie Limited trading as Fernovo (“Quidie”) provided him with loans without carrying out sufficient affordability checks. What happened A summary of Mr C’s borrowing can be found in the table below. loan number loan am... (4 pages)View decision -
Decision Reference DRN-4645615
27 Feb 2024 Gain Credit LLC UpheldConsumer CreditDRN-4645615 The complaint Mrs M complains, that Gain Credit LLC trading as Lending Stream (“Lending Stream”) provided her loans without carrying out sufficient affordability checks. Had better checks been carried out Lending Stream would’ve likely discovered Mrs M had ten outstanding payda... (4 pages)View decision -
Decision Reference DRN-4600149
27 Feb 2024 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-4600149 The complaint Mr F is being represented by a claims manager. He’s complaining about Shop Direct Finance Company Limited trading as very because he says it lent to him irresponsibly. What happened In June 2016, Mr F opened a catalogue shopping account with Shop Direct with an in... (4 pages)View decision
