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 162956 results
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Decision Reference DRN-4690174
28 Jan 2025 Motability Operations Limited Not upheldConsumer CreditDRN-4690174 The complaint Mr T complains that the car supplied to him through a hire agreement with Motability Operations Limited trading as Motability Operations (‘MO’) wasn’t of satisfactory quality as it wasn’t fit for purpose. He said that adequate adaptions hadn’t been made to the ... (6 pages)View decision -
Decision Reference DRN-5244271
28 Jan 2025 Clydesdale Bank Plc Not upheldMortgagesDRN-5244271 The complaint Miss H complains that Clydesdale Bank Plc trading as Virgin Money unfairly applied an early repayment charge (ERC) when she ported her buy to let mortgage. What happened Miss H took out a buy to let mortgage with Virgin Money in 2020. She had a fixed interest r... (4 pages)View decision -
Decision Reference DRN-5242014
28 Jan 2025 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-5242014 The complaint Mr F’s complaint is, in essence, that Clydesdale Financial Services Limited, trading as Barclays Partner Finance, (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Cred... (19 pages)View decision -
Decision Reference DRN-5285049
28 Jan 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5285049 The complaint Mr F is unhappy that Barclays Bank UK PLC didn’t conduct an affordability assessment before approving him for a Bounce Back Loan (“BBL”). What happened Mr F, a sole trader, applied to Barclays for a £15,000 BBL in June 2020. The application was successful, and ... (3 pages)View decision -
Decision Reference DRN-5292396
28 Jan 2025 Mi Vehicle Finance Limited UpheldConsumer CreditDRN-5292396 The complaint Mr W is unhappy that a van supplied to him under a hire purchase agreement with MI Vehicle Finance Limited (MIVF) was of an unsatisfactory quality. When I refer to what Mr W has said and what MIVF have said, it should also be taken to include things said on th... (7 pages)View decision -
Decision Reference DRN-5255467
28 Jan 2025 Salary Finance Limited UpheldConsumer CreditDRN-5255467 The complaint Mr M complains that Salary Finance Limited took duplicate direct debits from his account and also about its process for notification of a new address. What happened Mr M says that Salary Finance took two payments of £199.34 when only one was due. He says he wa... (2 pages)View decision -
Decision Reference DRN-4931652
28 Jan 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4931652 The complaint Mr A complains that Bank of Scotland plc will not pay his claim after he bought counterfeit goods through on online marketplace. The bank operates in this case under its Halifax brand. What happened In October 2023 Mr A bought a pair of designer trainers throug... (3 pages)View decision -
Decision Reference DRN-4895129
28 Jan 2025 Black Horse Limited Not upheldConsumer CreditDRN-4895129 The complaint Mrs W is unhappy that a car supplied to her under a hire purchase agreement with Black Horse Limited trading as Land Rover Financial Services was of an unsatisfactory quality. What happened In December 2022, Mrs W was supplied with a used car through a hire pu... (3 pages)View decision -
Decision Reference DRN-4751262
28 Jan 2025 Renault Retail Group UK Limited Not upheldConsumer CreditDRN-4751262 The complaint Mrs T complains that Renault Retail Group UK Limited (“Renault”) added charges for unwanted extras to her car hire purchase agreement. When I refer to what Mrs T has said and what Renault has said, it should also be taken to include things said on their beha... (4 pages)View decision -
Decision Reference DRN-5242521
28 Jan 2025 Starling Bank Limited Not upheldBanking and PaymentsDRN-5242521 The complaint Mr E complains Starling Bank Limited ignored his communication preferences when he asked for a copy of a chat transcript to be sent to him and that he still hasn’t received what he asked for. What happened Mr E is a sole trader and has an account with Starling.... (3 pages)View decision
