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 118878 results
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Decision Reference DRN-3553972
21 Jun 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3553972 The complaint Mr and Mrs W are unhappy Santander Bank UK plc hasn’t reimbursed them for their loss after they were the victim of a scam. What happened In June 2020 Mrs W used a popular pet sale forum to find a seller with a ‘cavapoo’ puppy for sale. She sought advice from a fri... (5 pages)View decision -
Decision Reference DRN-3454586
21 Jun 2022 Southern Pacific Mortgage Limited UpheldMortgagesDRN-3454586 The complaint Mrs P has complained about building insurance premiums added to her mortgage account by Southern Pacific Mortgage Limited trading as London Mortgage Company (LMC) between 2011 and 2018. Mrs P says that she had her own insurance cover in place and provided LMC with... (3 pages)View decision -
Decision Reference DRN-3436460
21 Jun 2022 Bank of Ireland (UK) Plc UpheldConsumer CreditDRN-3436460 Complaint Miss M has complained that Bank of Ireland (UK) Plc (“Bank of Ireland”) irresponsibly provided her with an unaffordable loan. Background Bank of Ireland provided Miss M with a Post Office Money branded personal loan for £20,000.00 in June 2020. The loan had an APR of ... (5 pages)View decision -
Decision Reference DRN-3484723
21 Jun 2022 A Shade Greener (Boilers) Llp UpheldConsumer CreditDRN-3484723 The complaint Mr W is unhappy with how A Shade Greener (Boilers) LLP (ASG) carried out its obligations to maintain a boiler it supplied to him under a conditional sale agreement. What happened In 2013, Mr W entered into a regulated conditional sale agreement with ASG for the su... (4 pages)View decision -
Decision Reference DRN-3328328
21 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3328328 The complaint Ms D, through a representative, says NewDay Ltd irresponsibly lent to her. What happened Ms D took out four credit cards from NewDay. A summary of her borrowing follows. card taken out initial limit, £ limit increase new limit, £ 1 Nov-17 450 - - 2 Aug-19 450 Mar-... (3 pages)View decision -
Decision Reference DRN-3532502
21 Jun 2022 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3532502 The complaint Mr W complains that Moneybarn No. 1 Limited irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In May 2018, Mr W acquired a used car financed by a conditional sale agreement from Moneybarn. Mr W made an advance paymen... (3 pages)View decision -
Decision Reference DRN-3436832
21 Jun 2022 Volkswagen Financial Services (UK) Limited UpheldConsumer CreditDRN-3436832 The complaint Mr L complains that Volkswagen Financial Services (UK) Limited (VWFS) didn’t provide him with the support it should have when he encountered financial difficulties due to the Covid-19 pandemic. Mr L is represented by a family member but for ease of reference I hav... (3 pages)View decision -
Decision Reference DRN-3553703
21 Jun 2022 esure Insurance Limited UpheldInsuranceDRN-3553703 The complaint Miss S complains that esure Insurance Limited disposed of her car without her consent after making a claim made under her motor insurance policy. She wants financial compensation for the loss this caused. What happened In May 2021 Miss S was involved in a car acci... (3 pages)View decision -
Decision Reference DRN-3517026
21 Jun 2022 Lendable Ltd UpheldConsumer CreditDRN-3517026 The complaint Mr B, through his representative, complains that Lendable Ltd lent to him without doing the proper checks and so he could not afford the loans. What happened Using information from Lendable, here is a brief table of the approved loans. Loans Date taken Te... (4 pages)View decision -
Decision Reference DRN-3219809
21 Jun 2022 Portal Financial Services LLP UpheldPensions and AnnuitiesDRN-3219809 The complaint Mr C complains about the advice given by Portal Financial Services LLP (‘Portal’) in relation to a defined-benefit (‘DB’) occupational pension scheme that he held with his former employer. Portal processed the transfer of Mr C’s DB scheme benefits to a personal pe... (8 pages)View decision
