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 162078 results
-
Decision Reference DRN-5287014
27 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5287014 Complaint Mr B has complained about a credit card NewDay Ltd (trading as “Aqua”) provided to him. He says that the credit card and the subsequent limit increases were unaffordable for him and he borrowed from friends, family and other lenders to make his payments. This resul... (6 pages)View decision -
Decision Reference DRN-5181379
27 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5181379 Complaint Miss E has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well as a subsequent credit limit increase to her. She says that this credit was unaffordable as it was provided at a time that she was young and on benefits. She’s ... (5 pages)View decision -
Decision Reference DRN-5280693
27 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5280693 Complaint Miss W has complained that Aqua Ltd (trading as “Aqua”) irresponsibly provided a credit card as well and the subsequent credit limit increases to her. She says that they were unaffordable and became unmanageable. Background Aqua provided Miss W with a credit card... (5 pages)View decision -
Decision Reference DRN-4937519
26 Jan 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-4937519 The complaint Miss T’s complaint is about Revolut Ltd’s refusal to reimburse her money she says she lost due to a scam. Miss T is represented by Refundee in this matter. However, I will refer to Miss T solely in this decision for ease of reading. What happened The circumsta... (4 pages)View decision -
Decision Reference DRN-5224651
25 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5224651 The complaint Miss J complains that NewDay Ltd (trading as Aqua) charged too much interest on her credit card account and would not allow her to do a balance transfer. What happened Miss J says Aqua approved a card and increased the limit to £3,500 even though she had a poo... (3 pages)View decision -
Decision Reference DRN-5211035
25 Jan 2025 Motability Operations Limited Not upheldConsumer CreditDRN-5211035 The complaint Mr M says Motability Operations Limited (Motability) were unreasonable to terminate his hire agreement. What happened In November 2023 Mr M hired a car through an agreement with Motability. In December 2023, the car was seized by police because they believed it... (2 pages)View decision -
Decision Reference DRN-5015746
25 Jan 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5015746 The complaint Mr F and Miss S have complained that HSBC UK Bank Plc (trading as “first direct”) failed to protect them from falling victim to an investment scam and hasn’t refunded the money they lost. What happened The background of this complaint is already known to both ... (4 pages)View decision -
Decision Reference DRN-5282273
24 Jan 2025 Healthcare Finance Limited UpheldConsumer CreditDRN-5282273 The complaint Mr M complains about how Healthcare Finance Limited (‘HFL’) responded to a claim he made to it in respect of dental treatment he paid for using the fixed sum loan it provided. What happened While I might not comment on everything (only what I consider key) this... (7 pages)View decision -
Decision Reference DRN-5096962
24 Jan 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5096962 The complaint Mrs C complains about Revolut Ltd. She says that Revolut didn’t do enough to protect her when she fell victim to a scam, and would like it to refund her the money she has lost as a result. What happened The details of what happened are well known to both part... (8 pages)View decision -
Decision Reference DRN-5126901
24 Jan 2025 NewDay Ltd Not upheldConsumer CreditDRN-5126901 The complaint Mrs P complains that NewDay Ltd (“NewDay”) irresponsibly provided her with credit on a credit card account that she couldn’t afford to repay. What happened In November 1999 Mrs P entered into an agreement to have access to credit by way of a Debenhams branded ... (3 pages)View decision
