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-3390331
24 Mar 2022 Kensington Mortgage Company Limited UpheldMortgagesDRN-3390331 The complaint Mr and Mrs B’s complaint is about a secured loan they took out with Kensington Mortgage Company Limited in 2006. They consider that, given their financial history and then current circumstances, the lending was irresponsible. This was because the loan turned some ... (5 pages)View decision -
Decision Reference DRN-3156974
24 Mar 2022 Morses Club PLC UpheldConsumer CreditDRN-3156974 The complaint Mr N says Morses Club PLC (Morses) lent to him irresponsibly. He says that he couldn’t afford the loan repayments and he had a history of poor credit. He thinks that Morses should’ve seen this and not lent to him. What happened This complaint is about five home co... (4 pages)View decision -
Decision Reference DRN-3389880
24 Mar 2022 Aviva Insurance Limited UpheldInsuranceDRN-3389880 The complaint Mr O complains that Aviva Insurance Limited unfairly avoided his motor insurance policy. What happened Mr O bought a short term car insurance policy with Aviva in January 2018. He was involved in an accident in February 2018 and made a claim on his insurance. Aviv... (4 pages)View decision -
Decision Reference DRN-3387594
23 Mar 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3387594 The complaint Mr N has complained about a loan granted to him by Everyday Lending Limited, trading as Everyday Loans, (“ELL”), which he said was unaffordable. The complaint is brought to this service on Mr N’s behalf by a claims’ management company. But for ease I have referred... (5 pages)View decision -
Decision Reference DRN-2971947
23 Mar 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2971947 The complaint Mr B complains that Vanquis Bank Limited (“Vanquis”) registered a fraud prevention marker against him without due cause. What happened Mr B held a credit card account with Vanquis from December 2019 to March 2020. During this time, Mr B utilised the credit balance... (4 pages)View decision -
Decision Reference DRN-3382066
23 Mar 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3382066 The complaint Mr T is unhappy that HSBC UK Bank Plc have decided not to refund him after he says a builder scammed him out of money. What happened Mr T employed the services of a builder who came recommended to him through an app, with endorsements from other people in his loca... (6 pages)View decision -
Decision Reference DRN-3387405
23 Mar 2022 Tickmill UK LTD UpheldInvestmentsDRN-3387405 The complaint Mr D says Tickmill UK LTD (‘Tickmill’) concealed and misrepresented events – events related to his West Texas Intermediate Spot Crude Oil (‘WTI Spot’) Contract for Differences trades – on 21 April 2020 (the ‘date’) and thereafter. All relevant events happened in 2... (7 pages)View decision -
Decision Reference DRN-3384937
23 Mar 2022 Moneybarn Limited UpheldConsumer CreditDRN-3384937 The complaint Mr H is unhappy that a car supplied to him under a conditional sale agreement with Moneybarn Limited was of an unsatisfactory quality. What happened On 18 March 2019, Mr H was supplied with a used car through a conditional sale agreement with Moneybarn. He paid a ... (4 pages)View decision -
Decision Reference DRN-3302511
23 Mar 2022 Santander UK Plc UpheldInsuranceDRN-3302511 The complaint The three Mr Ds and Mrs D say Santander UK Plc mis-sold them a mortgage payment protection insurance (“PPI”) policy. What happened This complaint is about a PPI policy taken out in 2002. It covered just one of the Mr Ds, whom I shall call “Mr D1”. Our adjudicator ... (2 pages)View decision -
Decision Reference DRN-3389272
23 Mar 2022 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-3389272 The complaint Mr M complains about how The Royal Bank of Scotland Plc handled a foreign cheque payment. What happened Mr M received a foreign cheque in 2019. He wanted to pay this into his account but wanted to know how much he would receive in pounds first. He says RBS told hi... (2 pages)View decision
