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-3267721
24 Mar 2022 Bank of Scotland Plc UpheldMortgagesDRN-3267721 The complaint Mr and Mrs C are unhappy with how long Bank of Scotland plc, trading as Halifax, took to consider and agree their request to extend their mortgage term and take a new fixed interest rate. What happened Mr and Mrs C have an interest only mortgage with Halifax that ... (8 pages)View decision -
Decision Reference DRN-3390741
24 Mar 2022 Bank of Scotland Plc UpheldConsumer CreditDRN-3390741 The complaint Mr H complains Bank of Scotland plc (BoS) failed to respond to his initial request for a payment deferral, later declined his subsequent request and then placed his loan in default. What happened Mr H took a loan through BoS in June 2019. He maintained his monthly... (3 pages)View decision -
Decision Reference DRN-3293286
24 Mar 2022 Marshmallow Financial Services Ltd UpheldInsuranceDRN-3293286 The complaint Mr M complains that he hasn’t received a refund of the initial payment he made to Marshmallow Financial Services Ltd for his car insurance policy, even though he cancelled the policy in November 2020. What happened Mr M had car insurance arranged through Marshmall... (3 pages)View decision -
Decision Reference DRN-3361126
24 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3361126 The complaint Mr V has complained that AvantCredit of UK, LLC was irresponsible in lending to him. What happened In 2015 AvantCredit provided Mr V with a loan of £2,900 repayable over 48 months with a monthly repayment of £144.14. He said the purpose of the loan was debt consol... (3 pages)View decision -
Decision Reference DRN-3392379
24 Mar 2022 Kent Savers Credit Union Limited UpheldConsumer CreditDRN-3392379 The complaint Mr H complains that Kent Savers Credit Union Limited (Kent) have unfairly registered a default against him. What happened Mr H had a loan with Kent, but he suffered financial difficulties, which resulted in him being unable to meet his contractual monthly payments... (5 pages)View decision -
Decision Reference DRN-3359534
24 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3359534 The complaint Mr C is complaining that AvantCredit of UK, LLC trading as AvantCredit irresponsibly lent to him. 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 t... (2 pages)View decision -
Decision Reference DRN-3393586
24 Mar 2022 Cowgills Wealth Limited UpheldPensions and AnnuitiesDRN-3393586 The complaint Mrs S complains that Cowgills Wealth Limited gave her unsuitable advice to transfer deferred pension benefits from her Occupational Pension Scheme to a personal pension. When receiving advice from Cowgills, Mrs S was being represented by her husband, Mr S. She has... (9 pages)View decision -
Decision Reference DRN-3355247
24 Mar 2022 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-3355247 The complaint Mrs A is unhappy with how Shop Direct Finance Company Limited trading as Very dealt with her financial difficulties. Mr A and Mrs A have entered into an Individual Voluntary Arrangement with Company I relating to their sole and joint debts, including Mrs A’s accou... (3 pages)View decision -
Decision Reference DRN-3263305
24 Mar 2022 Amtrust Europe Limited UpheldInsuranceDRN-3263305 The complaint Mr H and Mrs H’s complaint is about Amtrust Europe Limited’s handling of a claim made under a housing warranty insurance policy. What happened Mr and Mrs H made a claim for water ingress through a housing warranty insurance policy underwritten by Amtrust. Amtrust ... (2 pages)View decision -
Decision Reference DRN-3374763
24 Mar 2022 Clydesdale Bank Plc UpheldMortgagesDRN-3374763 The complaint Mr H complains about the way that Clydesdale Bank Plc has administered his mortgage. What happened In 2013, Mr H took out a mortgage with Clydesdale. In May 2017, he asked it to switch his mortgage to a fixed rate of 1.69% for 26 months. But the switch did not occ... (5 pages)View decision
