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 367300 results
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Decision Reference DRN-5265393
30 Jan 2025 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-5265393 The complaint Miss E complains that Royal & Sun Alliance Insurance Limited have declined part of her contents insurance claim following a burglary. What happened Miss E held contents insurance with RSA and raised a claim following a break in at her property in February ... (3 pages)View decision -
Decision Reference DRN-5204463
30 Jan 2025 Aviva Insurance Limited Not upheldInsuranceDRN-5204463 The complaint Mr K complains about how Aviva Insurance Limited dealt with his mobile phone insurance claim. My references to Aviva include its agents. What happened Mr K had insurance for his mobile phone through a bank account. Aviva is the insurer. In June 2024 Mr K told ... (3 pages)View decision -
Decision Reference DRN-5244947
30 Jan 2025 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-5244947 The complaint Mr T complains that when his hire purchase agreement with BMW Financial Services(GB) Limited, trading as Alphera Financial Services, ended it kept trying to take the balloon payment from his bank account when he’d already paid it. He also complains about the cu... (3 pages)View decision -
Decision Reference DRN-5258296
30 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5258296 The complaint Mr H complains Vanquis Bank Limited (“Vanquis”) undertook a searches on his credit report when he no longer had an account with it. What happened Mr H found a hard search on his credit file by Vanquis dated 7 November 2023. He raised this with Vanquis who uphel... (2 pages)View decision -
Decision Reference DRN-5295582
30 Jan 2025 LDF Operations Limited Not upheldConsumer CreditDRN-5295582 The complaint R, a sole trader complains LDF Operations Limited trading as White Oak (“LDF”) told him his application for finance had been declined due to adverse credit when there is nothing adverse on his credit record. What happened R applied for business finance with LDF... (2 pages)View decision -
Decision Reference DRN-5252714
30 Jan 2025 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5252714 The complaint Mr P complains the settlement figure he received from Mitsubishi HC Capital UK PLC, trading as Novuna Vehicle Solutions, wasn’t fair, when the car he acquired financed through a hire agreement was declared written off. What happened In October 2021 Mr P acquire... (3 pages)View decision -
Decision Reference DRN-5093793
30 Jan 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5093793 The complaint Mrs A complains about the actions of Revolut Ltd when she lost money to a scam. Mrs A is being represented by a claims management company but for ease I’ll only refer to Mrs A. What happened The detailed background to this complaint is well known to both part... (9 pages)View decision -
Decision Reference DRN-4913468
30 Jan 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4913468 The complaint Ms B complains that Clydesdale Bank plc, trading as Virgin Money, won’t refund to her the money that she paid for some accommodation. What happened Ms B used her Virgin Money credit card in February 2023 to pay £545.70 for some accommodation that she and her fa... (3 pages)View decision -
Decision Reference DRN-5205521
30 Jan 2025 Stellantis Financial Services UK Limited Not upheldConsumer CreditDRN-5205521 The complaint Mr M complains that the car he acquired financed through a conditional sale agreement with Stellantis Financial Services UK Limited wasn't of satisfactory quality. What happened In June 2021 Mr M acquired a used car financed through a conditional sale agre... (4 pages)View decision -
Decision Reference DRN-4856809
30 Jan 2025 American Express Services Europe Limited (AESEL) Not upheldBanking and PaymentsDRN-4856809 The complaint Mr E complains that American Express Services Europe Limited won’t refund to him the money that he paid to an online retailer for some goods and about the way that it’s dealt with his chargeback claims. What happened Mr E used his American Express credit card i... (3 pages)View decision
