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-3152783
7 Jun 2022 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-3152783 The complaint Mr S is complaining that Clydesdale Financial Services Limited is requiring him to pay an amount it says is outstanding on his conditional sale agreement that he doesn’t believe he owes. What happened In April 2016 Mr S entered into a conditional sale agreement th... (3 pages)View decision -
Decision Reference DRN-3520027
7 Jun 2022 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-3520027 The complaint Mr M is unhappy that Clydesdale Bank Plc trading as Virgin Money refused to refund him, after he was the victim of an investment scam, where he lost £100,000 to scammers. What happened Mr M was looking for investment opportunities online, he registered his interes... (6 pages)View decision -
Decision Reference DRN-3519833
7 Jun 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3519833 The complaint A charity, which I’ll refer to as M, complains that HSBC UK Bank Plc closed its bank account following a safeguarding review. Mrs S, who is a trustee of M, brings the complaint on M’s behalf. What happened Mrs S told us: M held a charity bank account with HSBC fo... (3 pages)View decision -
Decision Reference DRN-3519600
7 Jun 2022 Startline Motor Finance Limited UpheldConsumer CreditDRN-3519600 The complaint Mrs H complains about a car she acquired using a hire purchase agreement provided by Startline Motor Finance Limited. She says the car had issues shortly after she got it which reoccurred a few months later. What happened In February 2021 Mrs H acquired a used car... (5 pages)View decision -
Decision Reference DRN-2861970
7 Jun 2022 Joslin Rhodes Lifestyle Financial Planning Limited UpheldPensions and AnnuitiesDRN-2861970 The complaint Mr C complains that he was given poor advice by Joslin Rhodes Lifestyle Financial Planning Limited (‘JR’) when he transferred his defined benefit (DB) scheme with British Steel (‘BSPS’) to a personal pension. What happened In March 2016, Tata Steel UK Ltd announce... (12 pages)View decision -
Decision Reference DRN-3454718
7 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3454718 The complaint Mr S has complained that NewDay Ltd trading as Marbles irresponsibly lent to him. What happened Mr S opened a credit card account with Marbles in July 2017. His credit limit was initially £450. In January 2018 his credit limit was increased to £1,200. Mr S, throu... (3 pages)View decision -
Decision Reference DRN-3518962
7 Jun 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3518962 The complaint Miss D complained that Everyday Lending Limited (trading as Everyday Loans) lent to her irresponsibly and provided her with a loan that was unaffordable. What happened Everyday Loans provided a loan to Miss D as follows: Date taken Amount Term Monthly repayment To... (4 pages)View decision -
Decision Reference DRN-3516965
7 Jun 2022 Amtrust Europe Limited UpheldInsuranceDRN-3516965 The complaint Mr and Mrs S are unhappy that Amtrust Europe Limited has declined their legal expenses claim. They believe the policy indirectly discriminates against their son’s disability. All references to Amtrust include its agents. What happened Mr and Mrs S have a son with ... (5 pages)View decision -
Decision Reference DRN-3431802
7 Jun 2022 Society of Lloyd's UpheldInsuranceDRN-3431802 The complaint Ms B is unhappy that Society of Lloyd’s didn’t provide appropriate assistance under the legal expenses insurance (LEI) section of her professional indemnity insurance policy (‘the policy’) when making it aware that she was facing a regulatory investigation. What h... (7 pages)View decision -
Decision Reference DRN-3457827
7 Jun 2022 MotoNovo Finance Limited UpheldConsumer CreditDRN-3457827 The complaint Ms T, who is represented by a third party, complains that MotoNovo Finance Limited (“MotoNovo”) irresponsibly granted her a hire purchase agreement she couldn’t afford to repay. What happened In March 2016, Ms T acquired a used car financed by a hire purchase agre... (3 pages)View decision
