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 370904 results
-
Decision Reference DRN-4883830
17 Apr 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4883830 The complaint Mr A complains that HSBC UK Bank Plc (“HSBC”) won’t refund the money he lost to what he now believes was a scam. What happened In November 2023 Mr A made payments to an organisation (I will refer to as O in this decision) to enrol on a three-year course. He fo... (4 pages)View decision -
Decision Reference DRN-4998193
17 Apr 2025 CA AUTO FINANCE UK LTD UpheldConsumer CreditDRN-4998193 The complaint Mr C complains about the quality of a used car he acquired through a hire purchase agreement with CA AUTO FINANCE UK LTD (‘CA’). Mr C says the car he purchased had numerous problems over the short time he has owned it. The car displays an intermittent warning l... (5 pages)View decision -
Decision Reference DRN-5487950
17 Apr 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5487950 Complaint Miss D has complained that Bank of Scotland plc (trading as “Halifax”) irresponsibly provided a credit card as well as a credit limit increase to her. She says that this was unaffordable and caused her continued financial difficulty as the repayments resulted in he... (7 pages)View decision -
Decision Reference DRN-5426792
17 Apr 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldConsumer CreditDRN-5426792 Complaint Mr I has complained about personal loans which National Westminster Bank Public Limited Company (“NatWest”) provided to him. He’s said that these loans were unaffordable and this created a cycle of him having to borrow further in order to make his repayments. Bac... (6 pages)View decision -
Decision Reference DRN-5490377
17 Apr 2025 Scottish Widows Limited UpheldInsuranceDRN-5490377 The complaint Mr S is unhappy with how Scottish Widows Limited has settled a claim on his income protection policy. What happened Mr S has been receiving a monthly benefit following a successful claim on his income protection policy. The claim has been in payment for many ye... (2 pages)View decision -
Decision Reference DRN-5471342
17 Apr 2025 Startline Motor Finance Limited Not upheldConsumer CreditDRN-5471342 The complaint Mr M complains about the information he was given when he acquired a used car. He acquired the car through a hire purchase agreement with STARTLINE MOTOR FINANCE LIMITED (‘Startline’). Mr M says that Startline, or the credit broker Car Finance 247 (‘CF247’), t... (3 pages)View decision -
Decision Reference DRN-5438621
17 Apr 2025 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-5438621 The complaint Mr J complains that BMW Financial Services (GB) Limited trading as ALPHERA Financial Services (“Alphera”) failed to conduct adequate affordability checks before it lent to him. What happened In August 2021, Alphera provided Mr J with a hire purchase agreement ... (4 pages)View decision -
Decision Reference DRN-5460096
16 Apr 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5460096 The complaint Mrs B complains that Bank of Scotland plc trading as Halifax refused to provide her with a consolidation loan to combine her credit card and overdraft debt. What happened Mrs B holds a credit card account and a bank account with an overdraft facility with Halif... (3 pages)View decision -
Decision Reference DRN-5317777
16 Apr 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5317777 The complaint Miss M complains that HSBC UK Bank Plc closed her credit card account and registered a default on her credit file. What happened Miss M opened a credit card account with HSBC in June 2019. The account fell into arrears and on 12 February 2024 HSBC issued a Defa... (3 pages)View decision -
Decision Reference DRN-4996450
16 Apr 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4996450 The complaint Mr A complains that Lloyds Bank PLC (Lloyds) won’t refund money he lost in a job scam. What happened What Mr A says: Mr A had been looking for a job on LinkedIn and then got a call from someone who said they’d seen his profile and asked him if he wanted to earn... (4 pages)View decision
