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 362195 results
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Decision Reference DRN-5065477
2 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5065477 Complaint Mrs C has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and the subsequent credit limit increases to her. She says that they were unaffordable and became unmanageable. Background Vanquis initially provided Mrs C with... (4 pages)View decision -
Decision Reference DRN-5153068
2 Dec 2024 JN Bank UK Ltd Not upheldConsumer CreditDRN-5153068 Complaint Miss W has complained about a loan JN Bank UK Ltd (“JN Bank”) provided to her. She says that JN Bank provided her with an unaffordable loan at a time when she was already significantly indebted. Background JN Bank provided Miss W with a loan for £7,500.00 in July... (3 pages)View decision -
Decision Reference DRN-5107977
2 Dec 2024 Plata Finance Limited Not upheldConsumer CreditDRN-5107977 Complaint Mr O has complained about a personal loan which he says Plata Finance Limited (“Plata”) unfairly brought about for him. He says the loan was unaffordable. Background While Mr O may consider that he took further loans with Plata, we’ve already explained why we’ll b... (2 pages)View decision -
Decision Reference DRN-5148697
2 Dec 2024 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5148697 Complaint Ms L 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 the agreement was unaffordable for her. Ms L is being represented by a Claims Ma... (3 pages)View decision -
Decision Reference DRN-5181523
1 Dec 2024 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5181523 The complaint Ms B complains Clydesdale Financial Services Limited trading as Barclays Partner Finance (BPF) irresponsibly entered into a personal contract purchase (PCP) agreement because it didn’t complete appropriate checks to ensure the agreement was affordable for her. ... (7 pages)View decision -
Decision Reference DRN-4718064
1 Dec 2024 247 Money Group Limited Not upheldConsumer CreditDRN-4718064 The complaint Ms R complains that the car she acquired through 247 Money Group Limited (t/a 247Money) wasn’t of satisfactory quality and she’s unhappy with the way in which it has investigated her complaint. What happened Ms R acquired a used car in December 2022 with a hire... (3 pages)View decision -
Decision Reference DRN-4835217
1 Dec 2024 Oodle Financial Services Limited UpheldConsumer CreditDRN-4835217 The complaint Mr B complains that the car he acquired through Oodle Financial Services Limited trading as Oodle Car Finance (“Oodle”) is faulty and they should repair it, but these repairs should be conducted locally to him so he can be without the car for the least amount o... (3 pages)View decision -
Decision Reference DRN-5050142
1 Dec 2024 Liverpool Victoria Insurance Company Limited UpheldInsuranceDRN-5050142 The complaint Mr and Mrs C have complained that Liverpool Victoria Insurance Company Limited (LV) declined a claim they made for storm damage under their home and buildings insurance policy. What happened Mr and Mrs C reported damage caused by a damaged chimney stack during ... (3 pages)View decision -
Decision Reference DRN-5002472
1 Dec 2024 Wakam Not upheldInsuranceDRN-5002472 The complaint Mr D and Miss H complain that Wakam proportionately settled their claim. Wakam said Mr D and Miss H misrepresented information when they applied for a home and buildings insurance policy with it. What happened Mr D and Miss H took out a home and buildings insu... (3 pages)View decision -
Decision Reference DRN-5086878
1 Dec 2024 Rothesay Life Plc Not upheldPensions and AnnuitiesDRN-5086878 The complaint Ms L complains that Rothesay Life Plc trading as Rothesay have unfairly declined to treat her as eligible for a dependant’s pension under her late mother’s annuity policy.. What happened Ms L was executor under her mother’s will. During her lifetime she was he... (2 pages)View decision
