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-5107353
28 Oct 2024 American Express Services Europe Limited (AESEL) UpheldBanking and PaymentsDRN-5107353 The complaint Mr H is complaining about American Express Services Europe Limited (AESEL) because of his dissatisfaction with its response after he made a payment in error and the time it took to resolve this. What happened Mr H has a credit card account with AESEL. On 19 Ma... (3 pages)View decision -
Decision Reference DRN-5105357
28 Oct 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5105357 The complaint Ms C complains Vanquis Bank Limited (Vanquis) unfairly closed her two deposit accounts without paying her any interest, after she was unable to provide what she felt was unreasonable documentation evidencing the source of funds. What happened Ms C says she open... (3 pages)View decision -
Decision Reference DRN-4643189
28 Oct 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4643189 Complaint Ms E has complained about an overdraft that Barclays Bank UK PLC (“Barclays”) provided to her. She says the overdraft she was provided with encouraged a cycle of perpetual debt and her being charged excessively. Background Barclays initially provided Ms E with an... (3 pages)View decision -
Decision Reference DRN-5077285
28 Oct 2024 Specialist Motor Finance Limited UpheldConsumer CreditDRN-5077285 Complaint Miss I complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with her. She’s said the monthly payments to the agreement were unaffordable and so she shouldn’t have been accepted for it. Background In January 2020... (4 pages)View decision -
Decision Reference DRN-4708250
28 Oct 2024 Hyundai Capital UK Limited UpheldConsumer CreditDRN-4708250 Complaint Mr S complains that Hyundai Capital UK Limited (trading as “Hyundai Finance”) unfairly entered into a conditional sale agreement with him. He’s said the monthly payments were unaffordable and he struggled to meet the repayments. Background In August 2018, Hyundai ... (4 pages)View decision -
Decision Reference DRN-4647375
28 Oct 2024 Blue Motor Finance Ltd UpheldConsumer CreditDRN-4647375 Complaint Mr G complains that Blue Motor Finance Ltd (“BMF”) unfairly entered into a hire purchase agreement with him. He’s said the monthly payments were unaffordable and he struggled to meet the repayments. Background In June 2017, BMF provided Mr G with finance for a use... (4 pages)View decision -
Decision Reference DRN-4829659
28 Oct 2024 Startline Motor Finance Limited UpheldConsumer CreditDRN-4829659 Complaint Mr W complains that Startline Motor Finance Limited (“SMF”) unfairly entered into a hire purchase agreement with him. He’s said the monthly payments were unaffordable and he struggled to meet the repayments, having to borrow from friends and family in order to do s... (4 pages)View decision -
Decision Reference DRN-4620445
28 Oct 2024 Startline Motor Finance Limited UpheldConsumer CreditDRN-4620445 Complaint Miss D complains that Startline Motor Finance Limited (“SMF”) unfairly entered into a hire purchase agreement with her. She’s said the monthly payments were unaffordable and she struggled to meet the repayments, having to borrow from friends and family in order to ... (4 pages)View decision -
Decision Reference DRN-4752856
28 Oct 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4752856 The complaint Mr M complains that Bank of Scotland plc trading as Halifax (‘Halifax’) won’t refund the money he says was lost as the result of a scam. What happened In 2019, a long time friend told Mr M about a director of an investment company. I’ll refer to the director a... (4 pages)View decision -
Decision Reference DRN-5106886
28 Oct 2024 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5106886 Complaint Mr K has complained that Bank of Scotland plc (trading as “Halifax”) irresponsibly provided him with an overdraft which it continued applying charges on even when he was in financial difficulty. Background Halifax initially provided Mr K with an overdraft, which h... (6 pages)View decision
