Rulings (18)
  • Allay Claims Ltd t/a CheckMyPaydayLoan.com

    • Upheld
    • Radio
    • 07 February 2018

    A radio ad for a claims management company, CheckMyPaydayLoan.com, broadcast on 20 September 2017. The ad featured a voice-over that stated, "Ever had a time in your life where you've been forced to rely on payday loans and then struggled to make the repayments? You could be entitled to compensation. At Check My P...

  • Bluecrest Health Screening Ltd

    • Upheld
    • Direct mail
    • 31 January 2018

    A direct mailing advertising a health screening service, received in June 2017, stated “You are probably very well looked after by your NHS GP when you are ill, but you may also appreciate that many serious health conditions don’t show any warning signs. Around 80% of Strokes are caused by a blockage. That's why a card...

  • Shaun Smith

    • Upheld
    • Internet (on own site)
    • 31 January 2018

    A website, www.18kaweek.com , promoting an internet marketing earnings scheme, seen on 2 November 2017, stated “How To Earn $2,571 + A Day…This Internet Millionaire Wants To “Give You His Money Making Website (The SAME Website That Has Made Him A Millionaire For FREE!”…Just To Prove That His Online Money-Making System ...

  • Ramsdens Financial Ltd

    • Upheld
    • Television
    • 03 January 2018

    A TV ad for Ramsdens, a company which offered currency exchange services, seen on 21 June 2017. The voice-over stated, “At Ramsdens … you can change your pounds into Euros … Ramsdens guarantee to give you a great rate for all your travel money … Online or instore. But always at our hot curren...

  • Car Cash Point Ltd

    • Upheld
    • Internet (on own site)
    • 20 December 2017

    A web page on a website, www.carcashpoint.co.uk for Car Cash Point Ltd, seen on 1 June 2017, titled “Reviews” which featured a testimonial from Miss T Will, London and was headed “The Truth about Varoomas’ extortionate fees and charges”. The testimonial went on to state, “I wanted to write a review about the simply out...

  • Elevate Credit International Ltd t/a Sunny Loans

    • Not Upheld
    • Transport
    • 20 December 2017

    A poster for Sunny, seen on the London Underground network on 6 September 2017, featured an image of a man sitting in a deck chair wearing sunglasses and flip flops. Text stated “That’s life support … When you need some emergency cash, stress not”. Smaller text in the corner of the poster stated “Representative 750% AP...

  • The Law Society of England and Wales

    • Upheld
    • Internet (on own site)
    • 22 November 2017

    A web page on the Law Society website www.lawsociety.org.uk, seen in November 2016, describing the Conveyancing Quality Scheme (CQS) accreditation, stated “All Law Society Conveyancing Quality Scheme firms go through rigorous examination and testing to demonstrate that they have a high level of knowledge, skills,...

  • Samweb (UK) Ltd t/a Ease Your Mortgage

    • Upheld
    • Radio
    • 15 November 2017

    A radio ad for Ease Your Mortgage, a mortgage securitisation company, heard on 2 April 2017, claimed “Breaking News, Ease your mortgage announces that 8 out 10 mortgages have apparently been sold by your lender. We believe you may have a legal case if your lender failed to follow correct procedures. It will only cost £...

  • Civil Claim Services Ltd

    • Upheld
    • Internet (social networking)
    • 18 October 2017

    Ads for Civil Claim Services Ltd dated 4 April 2017, seen in May 2017: a. A Facebook post included text which stated “The BBC, Martin Lewis and National press have all announced a PPI deadline is in place. To run a 22 year PPI check on all your finances visit www.ppisearch.co.uk ...”. The post included a...

  • Sterling Partnership Ltd

    • Upheld
    • Internet (social networking)
    • 18 October 2017

    A paid-for Facebook ad for Sterling Partnership Ltd, dated 28 February 2017 and seen in May 2017, included an image of Martin Lewis and text which stated “Get the Latest Money Saving Tips & Advice”.

  • Age Partnership Ltd

    • Upheld
    • Television
    • 04 October 2017

    A TV ad for an equity release scheme from Age Partnership Ltd, seen 26 February 2017, featured an older couple. They stated, “We began to worry about our finances, especially with living costs going up all the time. We had thought about releasing money from our home, so we visited the Age Partnership website. We ...

  • Online Tax Rebates Ltd t/a Teacher Tax Rebate

    • Upheld
    • Internet (on own site)
    • 04 October 2017

    A website for Online Tax Rebates Ltd, www.teachertaxrebate.co.uk, seen in April 2017 included the text on the home page, “The easy way to get a tax refund” which was accompanied by a large button which stated “CLICK HERE TO ESTIMATE YOUR REBATE AND CLAIM”. Underneath, further text stated “...

  • PaymentSense Ltd

    • Not Upheld
    • Internet (classified)
    • 04 October 2017

    A job listing on Indeed, for PaymentSense, a merchant service provider, seen on 12 April 2017, stated “Field Sales Agent - Stratford UK”. A sub-heading on the page stated “Salary: £0-80k per year”. Further text stated “Self-employed (Excellent commission structure + Recurring payment...

  • Aviva Insurance UK Ltd

    • Upheld
    • Television
    • 20 September 2017

    Three TV ads for Aviva’s motor insurance seen in January 2017:a. The 60-second ad featured on-screen text that stated, “WARNING Conducted under a controlled environment. Do not attempt to recreate” and “THE AVIVA EXTREME DRIVING EXPERIMENT”. Following this were scenes showing ex-Formula One driver David Coulthard disgu...

  • Knight Wolffe Ltd t/a Knight Wolffe

    • Upheld
    • Internet (on own site)
    • 13 September 2017

    Ads from Knight Wolffe, tax and wealth advisors, seen in April 2017, promoted an Income Trust scheme:a. A website www.knightwolffe.com, via its “Income Trust” link, led to a web page entitled “What is an Income Trust”.b. A leaflet, entitled “How to Pay up to 80% less tax”, which stated “And without breaking the law!” …...

  • Smart Pension Ltd

    • Upheld
    • Direct mail
    • 13 September 2017

    A direct mailing from pension enrolment company Smart Pension Ltd, received on 25 January 2017, which stated on the envelope, above the letter box, "www.AutoEnrolment.co.uk. New rules apply to all UK employers" and beneath the letterbox "New regulations - important communication from Smart Pension Ltd&qu...

  • Claims Legal Ltd t/a Holidaysicknessclaims.co.uk

    • Upheld
    • Internet (social networking)
    • 06 September 2017

    A video on the YouTube channel of “TheAccidentGuys”, seen in February 2017, promoted the website holidaysicknessclaims.co.uk. Text underneath the video stated, “BREAKING NEWS - HOLIDAY SICKNESS”. Further text stated, “Follow up report on Holiday Sickness joined by correspondent live from S...

  • Regent Facilities Ltd t/a Horse and Rider Insurance Direct

    • Not Upheld
    • Magazine
    • 23 August 2017

    An ad for Horse & Rider Insurance Direct, seen in Horse and Rider magazine on 13 April 2017 said the business had been established for "Over (sic) 40 years".

Informally resolved (26)
  • QMetric Group Ltd

    • 07 February 2018
    • Number of complaints: 1

    Media: Direct mail
    Topic: Financial products and services

  • Guardian Recovery Ltd

    • 31 January 2018
    • Number of complaints: 1

    Media: Internet (on own site)
    Topic: Financial products and services

  • TSB Bank plc

    • 17 January 2018
    • Number of complaints: 1

    Media: Television
    Topic: Financial products and services

  • Tesco Stores Ltd

    • 17 January 2018
    • Number of complaints: 3

    Media: Internet (social networking)
    Topic: Financial products and services

  • Student Money Saver Ltd

    • 10 January 2018
    • Number of complaints: 1

    Media: E-mail
    Topic: Sports, leisure and hobbies, Financial products and services

  • Success Resources UK Ltd

    • 03 January 2018
    • Number of complaints: 1

    Media: Internet (on own site)
    Topic: Financial products and services

  • Financial Conduct Authority

    • 20 December 2017
    • Number of complaints: 44

    Media: Television
    Topic: Legal and regulation, Financial products and services

  • Vitality Corporate Services Ltd

    • 20 December 2017
    • Number of complaints: 1

    Media: Internet (sales promotion)
    Topic: Promotions and competitions, Financial products and services

  • Fentham Group Ltd t/a Remove A Tenant

    • 06 December 2017
    • Number of complaints: 4

    Media: Internet (social networking)
    Topic: Promotions and competitions, Financial products and services

  • ShieldPay Ltd t/a ShieldPay

    • 29 November 2017
    • Number of complaints: 1

    Media: Internet (on own site)
    Topic: Financial products and services

  • ABC Lawyers Ltd t/a Timeshare Compensation

    • 22 November 2017
    • Number of complaints: 1

    Media: Leaflet
    Topic: Financial products and services

  • Asda Financial Services Ltd

    • 08 November 2017
    • Number of complaints: 1

    Media: Internet (on own site)
    Topic: Financial products and services

  • Direct Redress Ltd t/a PPI Hotline

    • 08 November 2017
    • Number of complaints: 1

    Media: Radio
    Topic: Financial products and services

  • Green Flag Ltd

    • 08 November 2017
    • Number of complaints: 1

    Media: Internet (on own site), Television
    Topic: Financial products and services

  • Domestic & General Services Ltd t/a Domestic & General Services

    • 01 November 2017
    • Number of complaints: 1

    Media: E-mail
    Topic: Financial products and services

  • The Tax Repayment Agency Ltd

    • 01 November 2017
    • Number of complaints: 1

    Media: Internet (search engine)
    Topic: Financial products and services

  • Age Partnership Ltd t/a agepartnership.co.uk

    • 25 October 2017
    • Number of complaints: 2

    Media: Television
    Topic: Financial products and services

  • VKR Holding AS t/a Velfac

    • 18 October 2017
    • Number of complaints: 1

    Media: Internet (on own site)
    Topic: Financial products and services

  • Tax Insider Ltd

    • 11 October 2017
    • Number of complaints: 1

    Media: Internet (on own site)
    Topic: Financial products and services

  • Direct Insurance Group plc t/a Terrorisminsure.com

    • 27 September 2017
    • Number of complaints: 2

    Media: Internet (display)
    Topic: Financial products and services

Database cases (4)
  • WorldPay (UK) Ltd

    • 20 December 2017
  • New Wave Capital Ltd t/a Capital on Tap

    • 06 December 2017
  • Capital One Bank (Europe) plc

    • 15 November 2017
  • Ingenie Services Ltd

    • 18 October 2017