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-5030785
22 Oct 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-5030785 The complaint Mr B complains that Loans 2 Go Limited did not carry out proportionate checks before granting him a loan. What happened In March 2021 Mr M took out a loan for £250 with an interest rate of 17.3% repayable over 18 months at £57.14 a month. In April 2024 Mr M, us... (3 pages)View decision -
Decision Reference DRN-5096812
22 Oct 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5096812 Complaint Mr J has complained that Barclays Bank UK PLC (trading as “Barclaycard”) irresponsibly provided him with credit card limit increases despite the fact that he was unemployed and already struggling to make his repayments. Background Mr J’s credit limit was increased... (4 pages)View decision -
Decision Reference DRN-4834026
22 Oct 2024 Revolut Ltd UpheldBanking and PaymentsDRN-4834026 The complaint Miss B complains that Revolut Ltd (Revolut) is refusing to refund her the amount she lost as the result of a scam. What happened The background of this complaint is well known to all parties, so I won’t repeat what happened in detail. In summary, Miss B was in... (6 pages)View decision -
Decision Reference DRN-5096740
22 Oct 2024 Revolut Ltd UpheldBanking and PaymentsDRN-5096740 The complaint Miss W is unhappy that Revolut Ltd (‘Revolut’) won’t refund the money she lost after falling victim to a scam. What happened In early 2023, Miss W was looking for a home working opportunity and found a company (I’ll refer to as F) advertising on a social media... (9 pages)View decision -
Decision Reference DRN-5033052
21 Oct 2024 National Westminster Bank Plc UpheldConsumer CreditDRN-5033052 The complaint Mr H complains that National Westminster Bank Plc wrongly increased his monthly loan payments, and also complains about various other errors in the administration of his loan. What happened In April 2022 Mr H entered into a regulated loan agreement with NatWest... (4 pages)View decision -
Decision Reference DRN-4848419
21 Oct 2024 Vodafone Limited UpheldConsumer CreditDRN-4848419 The complaint Mr W has complained about the way Vodafone Limited administered a fixed sum loan agreement he’d taken out to buy a device. What happened In January 2024 Mr W referred a complaint to the Financial Ombudsman about the mismanagement of his direct debit payments r... (3 pages)View decision -
Decision Reference DRN-5047592
21 Oct 2024 Close Brothers Limited Not upheldConsumer CreditDRN-5047592 The complaint Miss S complains that a car that was supplied to her under a conditional sale agreement with Close Brothers Limited, trading as Close Brothers Motor Finance, wasn’t of satisfactory quality. What happened A used car was supplied to Miss S under a conditional sa... (3 pages)View decision -
Decision Reference DRN-5066720
21 Oct 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5066720 The complaint Mr G complains about how HSBC UK Bank Plc handled his query about a pending transaction. What happened Mr G holds a HSBC Global Money Account debit card. Prior to going on holiday abroad he transferred funds to the account. On 29 July 2024 Mr G attempted to use... (3 pages)View decision -
Decision Reference DRN-5088317
21 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5088317 The complaint Miss T complains that Vanquis Bank Limited trading as Vanquis (Vanquis) lent to her irresponsibly. What happened In February 2023, Vanquis agreed to provide a credit card to Miss T with a limit of £1,000. Miss T complains that the firm couldn’t have completed t... (3 pages)View decision -
Decision Reference DRN-5050691
21 Oct 2024 J D Williams & Company Limited Not upheldConsumer CreditDRN-5050691 The complaint Mr W complains that the minimum payment due on his credit account with JD Williams & Company Limited, trading as Jacamo, has been calculated incorrectly. What happened Mr W has a credit account with JD Williams. He complained to it in August 2024 about its ... (3 pages)View decision
