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-3445338
5 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3445338 The complaint Ms M complains that Everyday Lending Limited, trading as Everyday Loans, lent to her irresponsibly and without carrying out proper affordability checks. She would like all the fees and charges associated with the loans refunded. What happened Between November 2014... (3 pages)View decision -
Decision Reference DRN-2926802
5 May 2022 ReAssure Limited UpheldPensions and AnnuitiesDRN-2926802 The complaint Mrs P complains that ReAssure Limited delayed her monthly annuity payment. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. The facts are not in dispute, so I’ll focus on giving the reasons for my decis... (2 pages)View decision -
Decision Reference DRN-3395277
5 May 2022 AXA Insurance UK Plc UpheldInsuranceDRN-3395277 The complaint Mr B has complained that AXA Insurance UK Plc (‘AXA’) declined his claim for water damage under his home insurance policy What happened Mr B had a home insurance policy with AXA from January 2021 and an insurance policy with a different insurer prior to that date.... (4 pages)View decision -
Decision Reference DRN-3300481
5 May 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3300481 The complaint Miss C is complaining that AvantCredit of UK, LLC irresponsibly lent to her. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. The facts are not in dispute, so I’ll focus on giving the reasons for my dec... (2 pages)View decision -
Decision Reference DRN-3463419
5 May 2022 National Savings and Investments UpheldBanking and PaymentsDRN-3463419 The complaint Mrs M and Mr M complain about their online experience with National Savings and Investments (NSI). What happened Mr M held a Power of Attorney (POA) on his mother’s (Mrs M) account. Mrs M had a savings account with NSI, and Mr M also had a savings account and prem... (3 pages)View decision -
Decision Reference DRN-3331051
5 May 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3331051 The complaint Miss B complains that HSBC UK Bank Plc (“HSBC”) irresponsibly provided an overdraft to her, and refused to assist her when she told them about her financial difficulties. What happened Miss B says that in 2011 HSBC irresponsibly gave her a £2,000 overdraft on her ... (4 pages)View decision -
Decision Reference DRN-3460113
5 May 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3460113 Complaint Miss K has complained about a loan Loans 2 Go Limited (“L2G”) provided to her. She says the loan was unaffordable. Background L2G provided Miss K with a loan for £300.00 in March 2020. This loan had an APR of 1,013.3% and was due to be repaid in 18 monthly instalments... (3 pages)View decision -
Decision Reference DRN-3372569
5 May 2022 Astrenska Insurance Limited UpheldInsuranceDRN-3372569 The complaint Mr G complains because Astrenska Insurance Limited hasn’t paid a claim for a cancelled holiday under his travel insurance policy. All references to Astrenska include the agents it has appointed to handle claims on its behalf. What happened Mr G booked a holiday on... (3 pages)View decision -
Decision Reference DRN-3387286
5 May 2022 National Westminster Bank Plc UpheldConsumer CreditDRN-3387286 The complaint Mr K complains that National Westminster Bank Plc (NatWest) closed and defaulted his loan without reasonable notice. What happened Mr K successfully applied for a loan in August 2020. The first payment was made in November 2020 but no payments were received in the... (2 pages)View decision -
Decision Reference DRN-3258437
5 May 2022 Red Sands Insurance Company (Europe) Limited UpheldInsuranceDRN-3258437 The complaint Mr P is unhappy Red Sands Insurance Company (Europe) Limited declined a claim he made for subsidence under his home insurance policy. What happened The background to this complaint isn’t in dispute, so I’ll summarise the key points: Mr P took out a home insurance... (4 pages)View decision
