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-4608852
23 Feb 2024 Lendable Ltd Not upheldBanking and PaymentsDRN-4608852 Complaint Mr J has complained about a credit card Lendable Ltd (trading as “Level”) provided to him. He says the credit card and the subsequent credit limit increase were unaffordable and shouldn’t have been provided to him. Background Level provided Mr J with a credit card wit... (3 pages)View decision -
Decision Reference DRN-4634125
23 Feb 2024 London and Country Mortgages Ltd Not upheldInsuranceDRN-4634125 The complaint Mr W complains that he was mis-sold a policy by London and Country Mortgages Ltd (LCML) which he believed guaranteed him a lump sum after 35 years, but later turned out to only be a life and critical illness policy. What happened In October 2022 Mr W spoke to LCML... (4 pages)View decision -
Decision Reference DRN-4545161
23 Feb 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4545161 The complaint Mr F is unhappy that Lloyds Bank PLC didn’t make it clear to him before he opened an ISA with them that the terms of that ISA included restrictions and penalties on withdrawals. What happened Mr F opened a Lloyds fixed-rate cash ISA online in October 2022. Several... (3 pages)View decision -
Decision Reference DRN-4601261
23 Feb 2024 Gain Credit LLC Not upheldConsumer CreditDRN-4601261 The complaint Mrs E complains that Gain Credit LLC trading as Lending Stream irresponsibly lent to her. What happened Lending Stream lent Mrs E three instalment loans from August 2022 to February 2023 when they were repaid. The details of the loans are as follows: Loan number S... (2 pages)View decision -
Decision Reference DRN-4217630
23 Feb 2024 ClearBank Limited UpheldBanking and PaymentsDRN-4217630 The complaint M, a limited company, complains that ClearBank Limited trading as Tide did not refund a series of transactions it says it did not authorise. What happened Mr B has raised the complaint on behalf of M, so I will mostly refer to him throughout this decision. Mr B wa... (3 pages)View decision -
Decision Reference DRN-4424536
23 Feb 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4424536 The complaint Mr N complains about Lloyds Bank PLC. He says that Lloyds didn’t do enough to protect him when he became the victim of a scam and would like Lloyds to refund him the money he has lost as a result. What happened Mr S was looking online to try and find an investor f... (3 pages)View decision -
Decision Reference DRN-4610866
23 Feb 2024 Red Sands Insurance Company (Europe) Limited Not upheldInsuranceDRN-4610866 The complaint Mrs G is unhappy with Red Sands Insurance Company (Europe) Limited’s decision to decline a claim made on her pet insurance policy. Any reference to Red Sands includes the actions of its agents. What happened Mrs G has a pet insurance policy which is underwritten b... (2 pages)View decision -
Decision Reference DRN-4636071
23 Feb 2024 Madison CF UK Limited Not upheldConsumer CreditDRN-4636071 The complaint Mrs H, via a third party, complains that Madison CF UK Limited trading as 118 118 Money (“Madison”) irresponsibly granted her two loans (in May 2017 and July 2018) that she couldn’t afford to repay. What happened In May 2017 Mrs H took out a loan of £1,000 over a ... (3 pages)View decision -
Decision Reference DRN-4620741
23 Feb 2024 Barclays Bank UK PLC Not upheldMortgagesDRN-4620741 The complaint Mr and Mrs L have complained about the early repayment charge (“ERC”) they incurred when they moved their mortgage they hold with Barclays Bank UK PLC onto a new preferential interest rate product. They feel the charge is excessive and unfair, and the ERC terms se... (5 pages)View decision -
Decision Reference DRN-4632258
23 Feb 2024 Scottish Widows Limited Not upheldPensions and AnnuitiesDRN-4632258 The complaint Mr C is unhappy that Scottish Widows Limited trading as Clerical Medical (Clerical Medical) are not willing to honour his occupational pension scheme (OPS) benefits. What happened Mr C worked for a firm (Firm A) between 1974 and 1985, he paid into an OPS. In 2022 ... (2 pages)View decision
