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 365360 results
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Decision Reference DRN-5270781
3 Feb 2025 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5270781 Complaint Miss M complains that Clydesdale Financial Services Limited (trading as Barclays Partner Finance (“Barclays PF”)) unfairly entered into a conditional-sale agreement with her. She’s said Barclays PF accepted that it may not have correctly assessed her affordability ... (4 pages)View decision -
Decision Reference DRN-5291659
3 Feb 2025 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-5291659 Complaint Miss B has complained that Creation Consumer Finance Ltd (“Creation”) irresponsibly provided her with an unaffordable credit account. Background Miss B was initially provided with a credit account, with a credit limit of £1,000.00, in August 2019. This credit acco... (3 pages)View decision -
Decision Reference DRN-5149563
3 Feb 2025 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-5149563 Complaint Mr A has complained about the overdraft charges National Westminster Bank Plc (“NatWest”) applied to his account. Mr A is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr A’s account were unfair... (5 pages)View decision -
Decision Reference DRN-5278841
3 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5278841 Complaint Mr R has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says the credit card and limit increases should not have been provided to him as they were unaffordable. Background In February 2018, Vanquis provided Mr R with a credit c... (3 pages)View decision -
Decision Reference DRN-5290450
3 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5290450 Complaint Mr M has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided him with a credit card. He’s said that that this impacted on his position going forward and caused him ongoing difficulty. Background This complaint is about a credit card Vanquis ini... (3 pages)View decision -
Decision Reference DRN-5203667
2 Feb 2025 Accredited Insurance (Europe) Ltd Not upheldInsuranceDRN-5203667 The complaint A complaint has been brought on behalf of a limited company, which I’ll refer to as “J”, about Accredited Insurance (Europe) Ltd (“Accredited”). J says Accredited unfairly declined a claim under its motor insurance policy following an accident, and that it acte... (3 pages)View decision -
Decision Reference DRN-5301801
2 Feb 2025 Think Money Limited Not upheldBanking and PaymentsDRN-5301801 The complaint Ms C complains that Think Money Limited (“Think”) failed to refund transactions she didn’t recognise. What happened Ms C explained that whilst on a break from her work she checked her Think app on her phone and noticed a number of payments had left her account ... (5 pages)View decision -
Decision Reference DRN-5301792
2 Feb 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5301792 The complaint Ms V complains that Nationwide Building Society treated her unfairly by failing to process a chargeback request leading to the loss of funds. What happened Ms V had need of an emergency plumber for her property which is situated in another country. Ms V contac... (4 pages)View decision -
Decision Reference DRN-5267037
1 Feb 2025 One Insurance Limited UpheldInsuranceDRN-5267037 The complaint Mr S has complained about One Insurance Limited. He isn’t happy about the way it settled liability after he made a claim under his motor insurance policy. What happened I have previously considered this case and provided my initial thoughts in a provisional de... (5 pages)View decision -
Decision Reference DRN-5301637
1 Feb 2025 Sandringham Financial Partners Limited Not upheldInvestmentsDRN-5301637 The complaint Mr and Mrs L complain that they were given unsuitable investment advice by Sandringham Financial Partners Limited, referred to as “SFP”. They’ve raised many complaint points, but in summary they’re unhappy about the following: The performance of their inves... (9 pages)View decision
