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-5086708
17 Oct 2024 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-5086708 The complaint Mrs T has complained about the way Mitsubishi HC Capital UK Plc (“MHCC”) responded to claims she’d made under section 75 (“s.75”) of the Consumer Credit Act 1974 (the “CCA”) and in relation to allegations of an unfair relationship taking in to account section 1... (6 pages)View decision -
Decision Reference DRN-4632004
17 Oct 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-4632004 The complaint Mr A complains that Specialist Motor Finance Limited (“SMFL”) supplied him with a car that wasn’t of satisfactory quality. What happened Mr A acquired a used car, financed using a hire purchase agreement with SMFL, in December 2022. The agreement was for 60 mo... (4 pages)View decision -
Decision Reference DRN-5074292
17 Oct 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5074292 The complaint W, a limited company, complains that Barclays Bank UK PLC didn’t confirm that it had closed its account as it had requested happen several times. What happened W explains that it wanted to close its account and wasn’t able to do so online or by telephone. It wr... (3 pages)View decision -
Decision Reference DRN-5046155
17 Oct 2024 First Response Finance Ltd Not upheldConsumer CreditDRN-5046155 The complaint Mr L says First Response Finance Ltd, (‘First Response’) irresponsibly lent to him. He says he already had a vehicle on finance, and he was in arrears and defaults with other companies. He says he didn’t have any spare money to pay for the car when his other ou... (4 pages)View decision -
Decision Reference DRN-5053058
17 Oct 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-5053058 The complaint M, a limited company, complains that National Westminster Bank Plc needlessly repeated a business profile review, and this led to its accounts being blocked. What happened M says it had already completed a business profile review with NatWest including for othe... (4 pages)View decision -
Decision Reference DRN-5088034
17 Oct 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-5088034 The complaint Mr N has complained about Creation Consumer Finance Ltd (“Creation”) response to a claim he made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’) and in relation to allegations of an unfair relationship taking in to account Section 140.A (‘... (8 pages)View decision -
Decision Reference DRN-4894974
17 Oct 2024 LeasePlan UK Limited UpheldConsumer CreditDRN-4894974 The complaint Mr A complains that the poor service he received from LeasePlan UK Limited (LeasePlan) led to him facing charges that he otherwise wouldn’t have had to pay. What happened In January 2021 Mr A entered into a car hire agreement with LeasePlan. When the agreement ... (2 pages)View decision -
Decision Reference DRN-5087992
17 Oct 2024 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-5087992 The complaint Mr H has complained about Hitachi Capital (UK) Plc, now trading as Mitsubishi HC Capital UK Plc’s (‘Mitsubishi’) response to a claim he made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’) and in relation to allegations of an unfair relati... (9 pages)View decision -
Decision Reference DRN-5088000
17 Oct 2024 Revolut Ltd Not upheldBanking and PaymentsDRN-5088000 The complaint Mr G complains that Revolut Ltd won’t refund the money he lost when he was the victim of a scam. What happened In August 2023, Mr G saw an advert on a social media network for a cryptocurrency investment company. He followed a link to the company’s website, fi... (5 pages)View decision -
Decision Reference DRN-4630055
17 Oct 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4630055 The complaint Mr M complains that Bank of Scotland plc, trading as Halifax, won’t refund the money he lost when he was the victim of a scam. What happened In May 2023, Mr M was added to an instant messaging group chat about cryptocurrency investment. He was interested in ea... (3 pages)View decision
