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 360264 results
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Decision Reference DRN-4701813
17 Apr 2024 UK Credit Limited Not upheldConsumer CreditDRN-4701813 The complaint Mr S complains that UK Credit Limited (UKCL) failed to keep him informed about his increasing liability under a guarantee he had signed for his daughter’s loan. What happened In September 2016, Mr S’s adult daughter took out a regulated fixed-sum loan agreement wi... (4 pages)View decision -
Decision Reference DRN-4740740
17 Apr 2024 Gain Credit LLC UpheldConsumer CreditDRN-4740740 The complaint Miss M complains through a representative that Gain Credit LLC trading as Lending Stream (“Lending Stream”) gave her loans without carrying out sufficient affordability checks. What happened A summary of Miss M’s borrowing can be found in the table below; loan num... (6 pages)View decision -
Decision Reference DRN-4675670
17 Apr 2024 U K Insurance Limited Not upheldInsuranceDRN-4675670 The complaint Mr and Mrs B complain UK Insurance Limited (UKI) handled unfairly and declined a claim they made on their home insurance policy for damage caused by a fire. What happened In 2020, Mr and Mrs B’s neighbours lit a fire to burn sofas, mattresses and other materials o... (4 pages)View decision -
Decision Reference DRN-4694246
17 Apr 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4694246 The complaint Mr W complains HSBC UK Bank Plc provided him with an unaffordable credit card. What happened HSBC provided Mr W with a credit card with a limit of £1,500 in December 2019; this limit was never increased. Mr W was also provided with other credit facilities around t... (3 pages)View decision -
Decision Reference DRN-4591522
17 Apr 2024 Madison CF UK Limited UpheldConsumer CreditDRN-4591522 The complaint Mr A has complained through a representative that Madison CF UK Limited trading as 118 118 Money (“Madison”) didn’t carry out sufficient affordability checks before it lent to him. What happened A summary of Mr A’s borrowing can be found in the table below. loan n... (5 pages)View decision -
Decision Reference DRN-4557090
17 Apr 2024 Mars Capital Finance Limited Not upheldMortgagesDRN-4557090 The complaint Mr F complains that Mars Capital Finance Limited trading as Mars Capital is taking legal action over the arrears on his mortgage. He said he was trying to sell the property, that sale had run into problems, and he just wanted Mars to wait until those were resolved... (3 pages)View decision -
Decision Reference DRN-4661799
17 Apr 2024 ReAssure Limited Not upheldPensions and AnnuitiesDRN-4661799 The complaint Mr H has complained that information provided by Legal and General (‘L&G’) concerning the limits which applied to his annual pension contributions in 2019 was incorrect. As a result of this, Mr H has stated he did not contribute as much as he could have done a... (4 pages)View decision -
Decision Reference DRN-4667420
17 Apr 2024 esure Insurance Limited UpheldInsuranceDRN-4667420 The complaint Mr T complains esure Insurance Limited (esure) unfairly recorded liability of a claim on his motor insurance policy as a fault claim and this has increased his motor insurance premiums. He complains also of delays caused by esure in obtaining the information it re... (3 pages)View decision -
Decision Reference DRN-4718871
17 Apr 2024 Covea Insurance plc UpheldInsuranceDRN-4718871 The complaint Mr G is unhappy that Covea Insurance Plc will not pay his claim under his car insurance policy for the repairs to his car. Mr G is represented by someone who I’ll refer to as Mr I. What happened Mr G was involved in an accident. He was referred to an accident mana... (3 pages)View decision -
Decision Reference DRN-4702463
17 Apr 2024 PDL Finance Limited Not upheldConsumer CreditDRN-4702463 The complaint Mr G complains that PDL Finance Limited, trading as Mr Lender (“Mr Lender”), lent to him irresponsibly. What happened Mr G was given one loan of £200 on 13 February 2019. Mr G was due to make three monthly instalments to Mr Lender of decreasing amounts. Mr G’s fir... (3 pages)View decision
