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 157985 results
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Decision Reference DRN-5199237
15 Jan 2025 etika Finance UK Limited Not upheldConsumer CreditDRN-5199237 The complaint Mr D complains that Etika Finance UK Limited was irresponsible when it offered him credit. What happened Etika agreed credit of £327.39 for Mr D in September 2019. The total amount owed was £407.47 to be repaid at £11.32 a month over 36 months. Mr D met his re... (3 pages)View decision -
Decision Reference DRN-5212428
15 Jan 2025 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-5212428 The complaint Mr M complains about credit granted to him by Specialist Motor Finance Limited (SMF). What happened SMF agreed credit for Mr M in August 2022 to finance a car. The cash price of the car was £11,390 and Mr M borrowed this in full. The balance payable under the ... (3 pages)View decision -
Decision Reference DRN-5265108
15 Jan 2025 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5265108 The complaint R, a limited company, has complained that HSBC UK Bank Plc won’t refund transactions it says it didn’t authorise. Mr G, as director of R, is representing the company. What happened One day in autumn 2023, R’s HSBC card and PIN were used for around £16,000 of sp... (5 pages)View decision -
Decision Reference DRN-5197542
15 Jan 2025 Shawbrook Bank Limited UpheldConsumer CreditDRN-5197542 The complaint Mr and Mrs H complain that Shawbrook 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 against p... (23 pages)View decision -
Decision Reference DRN-4674401
15 Jan 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-4674401 The complaint Mr W complains that Wise Payments Limited (Wise) won’t refund money he lost in a recovery scam. What happened What Mr W says: Mr W was the victim of an investment scam – which took place between June 2022 and January 2023. He lost more than £109,000 – that comp... (4 pages)View decision -
Decision Reference DRN-5190644
15 Jan 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5190644 The complaint X has complained that Wise Payments Limited won’t refund the money she lost after falling victim to a scam. What happened X was contacted by scammers posing as employers. They hired her for a fake job, then told her she’d lost money and she needed to pay them. ... (2 pages)View decision -
Decision Reference DRN-5066587
15 Jan 2025 Healthcare Finance Limited Not upheldConsumer CreditDRN-5066587 The complaint Miss P complains about how Healthcare Finance Limited (‘HFL’) responded to a claim she made to it in respect of dental treatment she paid for using the fixed sum loan it provided. What happened While I might not comment on everything (only what I consider key) ... (6 pages)View decision -
Decision Reference DRN-5203237
15 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5203237 The complaint Miss T complains about the service she received when she contacted NewDay Ltd trading as Aqua to set up a repayment plan. What happened Miss T holds a credit card account with Aqua. The card fell into arrears. On 22 May 2024 Miss T called NewDay to set up a pay... (3 pages)View decision -
Decision Reference DRN-5082197
15 Jan 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5082197 The complaint Mr E complains Santander UK Plc (“Santander”) blocked and closed his accounts, including a Help-to-Buy (“H2B”) ISA. To put things right, Mr E wants Santander to reinstate his H2B ISA, so he doesn’t lose out on the Government incentive he had been saving towards... (2 pages)View decision -
Decision Reference DRN-5253328
15 Jan 2025 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-5253328 The complaint Mr F complains that a new car he acquired via a hire purchase agreement with Mercedes- Benz Financial Services UK Limited (“MBFS”) wasn’t of satisfactory quality. He says that although the business has made a settlement to him, the amount offered wasn’t fair wh... (4 pages)View decision
