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
-
Decision Reference DRN-4659184
11 Mar 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4659184 Complaint Ms M has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided her with a credit card when she was already struggling and which was unaffordable for her. Background This complaint is about a credit card Vanquis which initially provided to Ms M, cred... (3 pages)View decision -
Decision Reference DRN-4666871
11 Mar 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-4666871 Complaint Mr B has complained that Loans 2 Go Limited (“L2G”) provided him with an unaffordable loan. Background L2G provided Mr B with a loan of £300 in April 2022. This loan had an APR of 770% and an 18-month term. This all meant the total amount repayable of £1,110.06, which... (4 pages)View decision -
Decision Reference DRN-4617683
11 Mar 2024 Madison CF UK Limited Not upheldConsumer CreditDRN-4617683 Complaint Miss J has complained about loans Madison CF UK Limited (trading as “118 118 Money”) provided to her. She says 118 118 Money irresponsibly lent her these loans. Background One of our investigators reviewed what Miss J and 118 118 Money had told us. And she thought tha... (2 pages)View decision -
Decision Reference DRN-4661455
11 Mar 2024 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-4661455 Complaint Mr W complains that BMW Financial Services (GB) Limited (trading as “Alphera” Financial Services) unfairly entered into a hire purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable and he therefore shouldn’t have been len... (4 pages)View decision -
Decision Reference DRN-4622192
10 Mar 2024 Phoenix Life Limited Not upheldPensions and AnnuitiesDRN-4622192 The complaint Mr M complains that Phoenix Life Limited failed to pay the stated rate of interest on the cash within his pension plan that he says he was initially promised. Mr M now wants Phoenix to honour the original rate of return that he says they originally committed to wh... (4 pages)View decision -
Decision Reference DRN-4673366
10 Mar 2024 Scottish Widows Limited Not upheldPensions and AnnuitiesDRN-4673366 The complaint Mr Q complains about the length of time that it has taken for him to register for the Scottish Widows Limited (SWL) online pension portal. Mr Q says that SWL have failed to resolve his IT problems in a timely manner, meaning that he’s been unable to keep track of ... (5 pages)View decision -
Decision Reference DRN-4673361
10 Mar 2024 ReAssure Life Limited UpheldInsuranceDRN-4673361 The complaint Mr C complains that ReAssure Life Limited had made an unreasonable error when carrying out the annual indexation calculation on his whole of life policy in December 2022. This meant that ReAssure calculated a monthly premium which was less than it should have been... (5 pages)View decision -
Decision Reference DRN-4502951
10 Mar 2024 Equifinance Limited UpheldMortgagesDRN-4502951 The complaint Mr W complains that Equifinance Limited lent to him irresponsibly What happened Mr W took out a 25-year loan with Equifinance in 2018 to consolidate some of his existing debts. At the time, Mr W had over £51,000 in existing unsecured debt – just over £17,000 was l... (4 pages)View decision -
Decision Reference DRN-4291060
10 Mar 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4291060 The complaint Mr G complains that Barclays Bank UK PLC (“Barclays”) won’t refund £623.90 he lost to a scam. What happened The details of this complaint are well known to both parties, so I won’t repeat everything again here. In brief summary, Mr G was contacted by a scammer pos... (2 pages)View decision -
Decision Reference DRN-4492849
10 Mar 2024 Bank of Scotland Plc Not upheldMortgagesDRN-4492849 The complaint Mrs B complains that Bank of Scotland plc trading as Birmingham Midshires (BM) did not extend her fixed-interest product in line with her term extension. What happened Mrs B applied for a term extension on her interest-only buy-to-let mortgage with BM– extending t... (3 pages)View decision
