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 359539 results
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Decision Reference DRN-4870008
28 Jun 2024 Lendable Ltd Not upheldConsumer CreditDRN-4870008 Complaint Mrs C has complained about a loan Lendable Ltd (“Lendable”) provided to her. She says that Lendable provided her with an unaffordable loan based on her credit history and already having several open loans at the time. Background Lendable provided Mrs C with a loan for... (3 pages)View decision -
Decision Reference DRN-4660194
28 Jun 2024 ReAssure Limited UpheldInsuranceDRN-4660194 The complaint The trustees (Mr J and Mrs J, Mr J1 and Ms J1) have complained about how ReAssure Limited (‘ReAssure’) has administered the policies held within these trusts. They say that they have not been reviewed correctly, and incorrect information has been provided about th... (7 pages)View decision -
Decision Reference DRN-4857185
28 Jun 2024 Pepper Money Limited UpheldMortgagesDRN-4857185 The complaint Miss P complains that Pepper Money Limited (Pepper) irresponsibly lent her a second charge mortgage. What happened In 2018, Miss P took out a second charge mortgage with Pepper. She borrowed money to consolidate and repay existing debts elsewhere. She borrowed aro... (5 pages)View decision -
Decision Reference DRN-4866083
28 Jun 2024 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-4866083 The complaint Mrs E complains that Tesco Personal Finance PLC trading as Tesco Bank lent to her irresponsibly. What happened In October 2019, Mrs E applied for and received a credit card with Tesco. It was opened with an initial limit of £250 which was later increased as shown ... (3 pages)View decision -
Decision Reference DRN-4867893
28 Jun 2024 Lendable Ltd Not upheldBanking and PaymentsDRN-4867893 Complaint Mr T has complained about a credit card Lendable Ltd (trading as “Zable”) provided to him. He says the credit card as well as the limit increases were irresponsibly provided as it should have been clear that they were unaffordable. Background Zable provided Mr T with ... (3 pages)View decision -
Decision Reference DRN-4521193
28 Jun 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4521193 The complaint Ms M has complained that TSB Bank plc won’t refund her for transactions she says she didn’t authorise. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the key events here. In ... (3 pages)View decision -
Decision Reference DRN-4854115
28 Jun 2024 U K Insurance Limited Not upheldInsuranceDRN-4854115 The complaint Ms H and Mr W complain that U K Insurance Limited trading as Churchill Home Insurance (“UKI”) declined a claim they made on their home emergency policy. Although the policy is in joint names Mr W has brought the complaint to this serv... (3 pages)View decision -
Decision Reference DRN-4876617
28 Jun 2024 West Bay Insurance Plc UpheldInsuranceDRN-4876617 The complaint Ms F complains about how a claim under a gadget insurance policy has been dealt with by West Bay Insurance Plc trading as Zenith Insurance. (“West Bay”). What happened In August 2022, Ms F had an accident while abroad and she damaged an iPad Pro, Smart keyboard an... (3 pages)View decision -
Decision Reference DRN-4823342
28 Jun 2024 Advantage Insurance Company Limited UpheldInsuranceDRN-4823342 The complaint Mr D complains about how Advantage Insurance Company Limited has administered a car insurance policy. What happened The details of the complaint are well known to both parties, so I won’t repeat them again here. Instead, I’ll focus on providing my reasons for my d... (2 pages)View decision -
Decision Reference DRN-4877943
28 Jun 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4877943 The complaint Mr L has complained about Creation Consumer Finance Ltd trading as Creation.Co.Uk’s (‘Creation’) response to a claim he made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’) and in relation to allegations of an unfair relationship taking into ... (5 pages)View decision
