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 357004 results
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Decision Reference DRN-4684866
22 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4684866 The complaint Mr E complains about interest applied to his account by NewDay Ltd trading as AO Finance (“NewDay”). He says no interest should have been charged because he was on an interest- free promotion. What happened In 2021, Mr E opened a credit account. The credit was pro... (3 pages)View decision -
Decision Reference DRN-4581143
22 May 2024 Philip J Milton & Company Plc Not upheldInvestmentsDRN-4581143 The complaint Mr F complains about the management of his Stocks and Shares ISA by Philip J Milton & Company Plc (‘PJM’) and its overall performance. He’s unhappy about the (high) risk he was advised to take and consequently feels that this was unsuitable, not only to remai... (6 pages)View decision -
Decision Reference DRN-4459518
22 May 2024 RCI Financial Services Limited UpheldConsumer CreditDRN-4459518 The complaint Mr K complains about the quality of a car he hired through RCI Financial Services Limited trading as Nissan Financial Services. The clutch on the car failed and needed replacing approximately seven months after taking possession of the car and Mr K is unhappy that... (5 pages)View decision -
Decision Reference DRN-4807748
22 May 2024 Fortegra Europe Insurance Company Ltd UpheldInsuranceDRN-4807748 The complaint Ms M complains that Fortegra Europe Insurance Company Ltd (Fortegra) offered her an unfair settlement to her caravan insurance claim. What happened In June 2023, Ms M’s caravan was unfortunately stolen. After accepting the claim, Fortegra declared the caravan a to... (4 pages)View decision -
Decision Reference DRN-3953140
22 May 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3953140 The complaint Mrs S has complained about the way Creation Consumer Finance Ltd (‘Creation’) responded to claims she’d made under section 75 (‘s.75’) of the Consumer Credit Act 1974 (‘the CCA’), and an alleged unfair relationship taking into account section 140A (‘s.140A’) of th... (5 pages)View decision -
Decision Reference DRN-4551743
22 May 2024 Zenauto Limited Not upheldConsumer CreditDRN-4551743 The complaint Mrs C complains about the charges ZenAuto Limited applied when she returned a car after the hire agreement ended. What happened Mrs C entered into a hire agreement for a vehicle with ZenAuto in July 2020; the agreement ended in July 2023 and Mrs C returned the car... (2 pages)View decision -
Decision Reference DRN-4724546
22 May 2024 Allied World Assurance Company (Europe) dac Not upheldInsuranceDRN-4724546 The complaint Mr W complains Allied World Assurance Company (Europe) dac delayed, then unfairly declined, a claim against a Residential Landlord insurance policy. Reference to Allied includes its agents. What happened The facts of this complaint are known to all parties, so I w... (3 pages)View decision -
Decision Reference DRN-4736287
22 May 2024 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-4736287 The complaint Miss K complains Sainsbury’s Bank Plc have threatened to default her credit card accounts and haven’t been supportive or helpful during her ongoing financial difficulties. What happened Miss K was provided with two credit cards by Sainsbury’s Bank. In 2022 Miss K ... (5 pages)View decision -
Decision Reference DRN-4725674
22 May 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4725674 The complaint Mr M complains that Moneybarn No.1 Limited (Moneybarn) irresponsibly granted him a conditional sale agreement that he couldn’t afford to repay. What happened In August 2023 Mr M acquired a vehicle financed by a conditional sale agreement from Moneybarn. Mr M was r... (3 pages)View decision -
Decision Reference DRN-4530565
22 May 2024 Volkswagen Financial Services (UK) Limited Not upheldConsumer CreditDRN-4530565 The complaint Mr B complains that the specification of a van, supplied to him through a hire purchase agreement with Volkswagen Financial Services (UK) Limited (“VWFS”), was misrepresented. What happened In September 2022 Mr B was supplied with a used van through a hire purchas... (3 pages)View decision
