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 157456 results
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Decision Reference DRN-5116460
30 Dec 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5116460 The complaint Miss F complains Bank of Scotland plc, trading as Halifax, closed her account and held her liable for payments that had previously been refunded after she had disputed making them. Miss F is also unhappy this left her in overdraft and that she hasn’t been given... (3 pages)View decision -
Decision Reference DRN-5232486
30 Dec 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5232486 The complaint Mrs T’s complaint is, in essence, that Barclays Bank UK PLC trading as Barclaycard (the ‘Lender’) acted unfairly and unreasonably by deciding against paying a claim under Section 75 of the CCA. What happened Mrs T purchased a share in property from a timeshare ... (5 pages)View decision -
Decision Reference DRN-5232718
30 Dec 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-5232718 The complaint Miss P complains that Loans 2 Go Limited (L2G) irresponsibly lent to her. Miss P is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Miss P ... (3 pages)View decision -
Decision Reference DRN-5232724
30 Dec 2024 Moneybarn Limited UpheldConsumer CreditDRN-5232724 The complaint Mr H complains Moneybarn Limited (Moneybarn) supplied him with a car that he believes wasn’t of satisfactory quality. What happened In March 2023, Mr H entered into a 43 month conditional sale agreement for a used van. It’s cash price was £6,790, it was first ... (3 pages)View decision -
Decision Reference DRN-5231023
30 Dec 2024 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5231023 The complaint Mr and Mrs C’s complaint is, in essence, 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)... (11 pages)View decision -
Decision Reference DRN-5232612
30 Dec 2024 MotoNovo Finance Limited Not upheldConsumer CreditDRN-5232612 The complaint Mr W complains about the quality of a car supplied to him by MotoNovo Finance Limited (“MotoNovo”). What happened I sent Mr W and MotoNovo my provisional findings on this complaint on 9 December 2024. A copy of that decision is attached and forms part of this f... (5 pages)View decision -
Decision Reference DRN-5232361
30 Dec 2024 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-5232361 The complaint Ms B complains that Sainsbury’s Bank Plc didn’t do enough to help her when she told it about a dispute she had with a merchant over goods paid for using her Sainsbury’s credit card. What happened On 20 February 2023 Ms B’s credit card was used to make payment f... (7 pages)View decision -
Decision Reference DRN-5174632
30 Dec 2024 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5174632 The complaint Mr T complains about marks added to his credit file by Capital One (Europe) plc (CapOne). What happened Mr T has a credit card from CapOne. In 2023, he had a limit of £200. The minimum monthly payments were around £7.70. Mr T had a number of illnesses and was t... (4 pages)View decision -
Decision Reference DRN-5167295
30 Dec 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5167295 The complaint Mr D complains Barclays Bank UK PLC (Barclays) caused unnecessary delays before it released an online payment he had requested. What happened Mr D says in July 2024 he made a payment using his online banking app for the purchase of a motor vehicle. Mr D says de... (2 pages)View decision -
Decision Reference DRN-5120314
30 Dec 2024 Creation Financial Services Limited UpheldConsumer CreditDRN-5120314 The complaint Mr B complains that Creation Financial Services Limited trading as Creation (Creation) defaulted his account. What happened In July 2022, Mr B started a Buy Now Pay Later credit agreement at a retailer. The limit was £1,000 and was interest free on the first pu... (4 pages)View decision
