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 157006 results
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Decision Reference DRN-5158679
26 Feb 2025 Tesla Financial Services Limited Not upheldConsumer CreditDRN-5158679 Complaint Mr A has complained about the quality of a car that Tesla Financial Services Limited (“Tesla Financial”) supplied to him through a conditional sale agreement. Background In September 2022, Tesla Financial provided Mr A with finance for a brand-new car. The cash pr... (4 pages)View decision -
Decision Reference DRN-4960224
26 Feb 2025 Barclays Bank UK PLC Not upheldMortgagesDRN-4960224 The complaint Mrs C complains that Barclays Bank UK PLC has not offered her a new interest rate on her mortgage, meaning she’s been over-charged interest as a result. The complaint has been brought by her husband Mr C acting on her behalf. What happened Mrs C has had a mortg... (3 pages)View decision -
Decision Reference DRN-5300194
26 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5300194 The complaint Mr H complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr H applied for a credit card with Vanquis in April 2012. In his application, Mr H said he was employed... (4 pages)View decision -
Decision Reference DRN-5309161
26 Feb 2025 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-5309161 The complaint Mr B complains about being unable to access funds in his account with The Co-operative Bank Plc. He also complains about the difficulty he faced in servicing his account. What happened Mr B complained to Co-op Bank that he was unable to withdraw funds from an ... (3 pages)View decision -
Decision Reference DRN-5344094
26 Feb 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5344094 The complaint Ms R complains Lloyds Bank PLC won’t refund her a payment she made on her credit card. What happened In November 2023, Ms R instructed a removals company, who I’ll refer to as “M”, to move her belongings when she moved into a different property. Ms R says ther... (5 pages)View decision -
Decision Reference DRN-5188396
26 Feb 2025 Black Horse Limited Not upheldConsumer CreditDRN-5188396 The complaint Mr H complains about a finance agreement he took out with Black Horse Limited in respect of a holiday lodge. What happened In September 2019 Mr H and his wife entered into an agreement with P, a holiday park business, for a holiday lodge and membership of the p... (3 pages)View decision -
Decision Reference DRN-5285804
26 Feb 2025 Nationwide Building Society Not upheldConsumer CreditDRN-5285804 The complaint Mr R complains Nationwide Building Society (NBS) won’t reduce the interest rate on his personal loan What happened In August 2023 Mr R entered into a Fixed Sum loan agreement for £24,569.17 with NBS. The loan was to be repaid over 60 months at £637.97 a month. ... (2 pages)View decision -
Decision Reference DRN-5242493
26 Feb 2025 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5242493 The complaint Mr C complains that Clydesdale Financial Services Limited trading as Barclays Partner Finance (“BPF”) rejected his claims under the Consumer Credit Act (“CCA”) 1974 in respect of a timeshare. The purchase was made by Mr C and his wife but the loan was taken out... (7 pages)View decision -
Decision Reference DRN-5313628
26 Feb 2025 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-5313628 The complaint Mrs H complains that National Westminster Bank Plc (‘NatWest’) irresponsibly provided her with an overdraft that she couldn’t afford to repay sustainably. What happened In June 2011 NatWest agreed to provide Mrs H with an overdraft facility of £300. Mrs H, wh... (4 pages)View decision -
Decision Reference DRN-5325210
26 Feb 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5325210 The complaint Mr W complains that Nationwide Building Society didn’t honour a current account switch incentive. What happened Nationwide advertised a current account switch offer to new and existing customers. If customers switched a non-Nationwide account to it using the C... (2 pages)View decision
