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 70 results
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Decision Reference DRN-6137692
9 Feb 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-6137692 The complaint Mr S’ complaint is, in essence, that Tandem Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding aga... (10 pages)View decision -
Decision Reference DRN-6134436
6 Feb 2026 Tandem Bank Limited UpheldConsumer CreditDRN-6134436 The complaint Mr H complaint is, in essence, that Tandem Bank Limited 1 (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding ag... (13 pages)View decision -
Decision Reference DRN-6119518
5 Feb 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-6119518 The complaint Ms M is unhappy that a car supplied to her under a hire purchase agreement with Tandem Motor Finance Limited was of an unsatisfactory quality. What happened In November 2024, Ms M was supplied with a used car through a hire purchase agreement with Tandem. She ... (3 pages)View decision -
Decision Reference DRN-6073140
5 Feb 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-6073140 The complaint Mrs A’s complaint is, in essence, that Tandem Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding a... (9 pages)View decision -
Decision Reference DRN-5884296
4 Feb 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-5884296 The complaint Ms B complains Tandem Bank Limited (the “Lender”) has failed to honour a claim under Section 75 of the Consumer Credit Act 1974 (the “CCA”) and has participated in an unfair credit relationship with her under Section 140A of the CCA. Ms B is represented in her... (12 pages)View decision -
Decision Reference DRN-5985210
4 Feb 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-5985210 The complaint Miss B’s complaint is, in essence, that Tandem Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding ... (13 pages)View decision -
Decision Reference DRN-6118254
30 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-6118254 The complaint Mr M’s complaint is, in essence, that Tandem Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding a... (14 pages)View decision -
Decision Reference DRN-5957233
29 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-5957233 The complaint Mrs W’s complaint is, in essence, that Tandem Bank Limited acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding against paying a... (13 pages)View decision -
Decision Reference DRN-6090153
28 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-6090153 The complaint Mrs M’s complaint is, in essence, that Tandem Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding a... (13 pages)View decision -
Decision Reference DRN-5956754
21 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-5956754 The complaint Mr O complains Honeycomb Finance Limited (the “Lender”) has failed to honour a claim under Section 75 of the Consumer Credit Act 1974 (the “CCA”) and has participated in an unfair credit relationship with him under Section 140A of the CCA. Mr O is represented ... (11 pages)View decision
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