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 352408 results
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Decision Reference DRN-4673107
11 Mar 2024 ClearBank Limited UpheldBanking and PaymentsDRN-4673107 The complaint A company, which I’ll refer to as M, complains that ClearBank Limited (Tide) won’t refund the money that was lost through an Authorised Push Payment (“APP”) scam. Mrs A, who is a director of M, brings the complaint on M’s behalf. What happened I issued my provisio... (5 pages)View decision -
Decision Reference DRN-4588892
11 Mar 2024 Fortegra Europe Insurance Company Ltd UpheldInsuranceDRN-4588892 The complaint Mr M has complained that Fortegra Europe Insurance Company Ltd ruined his alloy wheels when he made a claim for their repair under his alloy wheel insurance policy. What happened Mr M bought a car and also bought an alloy wheel policy from Fortegra. He made a clai... (4 pages)View decision -
Decision Reference DRN-4655712
11 Mar 2024 Chetwood Financial Limited Not upheldConsumer CreditDRN-4655712 Complaint Mrs S has complained about a personal loan Chetwood Financial Limited (trading as “Better Borrow”) which she says was unfairly lent to her. She says the loan was never affordable given her existing debts and the fact that she was on sick leave at the time. Background ... (3 pages)View decision -
Decision Reference DRN-4618651
11 Mar 2024 Scottish Widows Limited UpheldPensions and AnnuitiesDRN-4618651 The complaint Mr D complains about Scottish Widows Limited (“Scottish Widows”). He’s unhappy with the service he received when he tried to access funds held in his personal pension plan (PPP). He doesn’t think it’s fair that Scottish Widows won’t allow him to withdraw funds fro... (4 pages)View decision -
Decision Reference DRN-4298578
11 Mar 2024 American Express Services Europe Limited (AESEL) Not upheldBanking and PaymentsDRN-4298578 The complaint Mr S complains that American Express Services Europe Limited (AESEL) (Amex) suspended his credit card whilst it was under review. Mr S is also unhappy with the service he received from Amex. He wants compensation for the trouble upset this caused him and a refund ... (5 pages)View decision -
Decision Reference DRN-4673409
11 Mar 2024 Oakbrook Finance Limited UpheldConsumer CreditDRN-4673409 Complaint Mr C has complained that Oakbrook Finance Limited (trading as “Likely Loans”) unfairly provided him with unaffordable loans. Background Likely Loans provided Mr C with five loans. As far as I can see is Mr C’s loan history was as follows: Loan Taken Amount Settlement*... (9 pages)View decision -
Decision Reference DRN-4662058
11 Mar 2024 Metro Bank PLC Not upheldConsumer CreditDRN-4662058 Complaint Miss S has complained about a personal loan Metro Bank PLC (trading as “Ratesetter”) which she says was unfairly lent to her. She says the loan was unaffordable. Background Ratesetter provided Miss S with a loan for £5,000.00 in December 2021. This loan had an APR of ... (5 pages)View decision -
Decision Reference DRN-4610436
11 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4610436 Complaint Mrs G has complained that NewDay Ltd (“NewDay”) irresponsibly provided her with credit card accounts, which it then allowed her to access funds in order to gamble even after a prohibition on using credit cards for gambling was introduced. Background Mrs G had two cred... (6 pages)View decision -
Decision Reference DRN-4535254
11 Mar 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4535254 Complaint Mrs M has complained about an overdraft that TSB Bank plc (“TSB”) provided to her. She says the overdraft she was provided with was unaffordable for her. Background TSB provided Mrs M with an overdraft that had a limit of £500 in November 2020. The credit limit on the... (3 pages)View decision -
Decision Reference DRN-4618966
11 Mar 2024 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-4618966 Complaint Mrs C has complained that Shop Direct Finance Company Limited (trading as “Very”) irresponsibly provided her with a catalogue shopping account and increased her credit limit when couldn’t afford it. Background Very provided Mrs C with two catalogue shopping accounts.... (3 pages)View decision
