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-5382071
8 Mar 2025 Specialist Lending Limited UpheldConsumer CreditDRN-5382071 The complaint and what happened Mrs B complains that Specialist Lending Limited, trading as Duologi, (“Duologi”), lent to her irresponsibly and without carrying out proper affordability checks. She also complains about its response to a claim she made under Section 75 (‘s.75... (4 pages)View decision -
Decision Reference DRN-4910815
7 Mar 2025 Borderway Finance Limited Not upheldConsumer CreditDRN-4910815 The complaint Mr T complains Borderway Finance Limited (Borderway) supplied a vehicle under a hire purchase agreement which wasn’t of satisfactory quality. What happened Mr T entered into a hire purchase agreement with Borderway in October 2022 in order to acquire a used ve... (5 pages)View decision -
Decision Reference DRN-5112676
7 Mar 2025 Healthcare Finance Limited Not upheldConsumer CreditDRN-5112676 The complaint Mr K has complained about the way Healthcare Finance Limited (“HFL”) dealt with a claim for money back in relation to dental treatment which he paid for with credit it provided. What happened In June 2023 Mr K entered into a two-year fixed sum loan agreement wi... (5 pages)View decision -
Decision Reference DRN-5337528
7 Mar 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5337528 The complaint Mr S complains Santander UK Plc (“Santander”) unfairly applied an adverse fraud marker against him in 2022. What happened The details of this complaint are well known by both parties, so I won’t repeat them again here in detail. Instead, I’ll focus on setting o... (3 pages)View decision -
Decision Reference DRN-5197714
7 Mar 2025 Specialist Motor Finance Limited UpheldConsumer CreditDRN-5197714 The complaint Mr C complains that the car he acquired financed through a hire purchase agreement with Specialist Motor Finance Limited (“SMFL”) wasn’t of satisfactory quality. What happened Mr C acquired a used car financed through a hire purchase agreement with SMFL which h... (5 pages)View decision -
Decision Reference DRN-5108867
7 Mar 2025 CA AUTO FINANCE UK LTD UpheldConsumer CreditDRN-5108867 The complaint Mr V complains about the quality of the car he acquired through a hire purchase agreement with CA Auto Finance UK Ltd (“CA Auto”). What happened Mr V acquired a car in December 2022 through CA Auto. It was around two years old and had covered less than 7,000 mi... (5 pages)View decision -
Decision Reference DRN-4608205
7 Mar 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-4608205 The complaint Mr A complains that Revolut Ltd (Revolut) is refusing to refund him the amount he lost as the result of a scam. Mr A has previously been represented by a third party. To keep things simple, I will refer to Mr A throughout my decision. What happened The backgrou... (3 pages)View decision -
Decision Reference DRN-5317765
7 Mar 2025 TSB Bank plc Not upheldBanking and PaymentsDRN-5317765 The complaint Mrs V is unhappy that TSB Bank plc won’t honour a 0% interest offer on purchases that they told her she had available to her. What happened Mrs V called TSB and asked whether she had any interest rate offers available to her for purchases she might make on her ... (2 pages)View decision -
Decision Reference DRN-5376309
7 Mar 2025 Omni Capital Retail Finance Limited UpheldConsumer CreditDRN-5376309 The complaint Mr C complains that a bathroom supplier which he engaged to carry out installation works at his home did not carry out the work to a satisfactory standard. He says that he therefore has claims against the supplier for breach of contract and misrepresentation. A... (8 pages)View decision -
Decision Reference DRN-5322387
7 Mar 2025 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5322387 Complaint Mr F complains that Clydesdale Financial Services Limited (trading as Barclays Partner Finance (“Barclays PF”)) unfairly entered into a conditional sale agreement with him. He’s said that the agreement was unaffordable for him and his struggle to make his repayment... (5 pages)View decision
