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-4946514
27 Jan 2025 Healthcare Finance Limited UpheldConsumer CreditDRN-4946514 The complaint Ms M complains that Healthcare Finance Limited (“HFL”) failed to pay out on a claim she made to it about the failure of a supplier to deliver the dental treatment which she paid for with credit it provide. What happened In May 2023 Ms M entered into a 25-month ... (4 pages)View decision -
Decision Reference DRN-5252080
27 Jan 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5252080 The complaint Miss S complained because Barclays Bank UK PLC refused to refund her for transactions which she said she didn’t authorise. What happened In early October 2024, Miss S made three fraud claims on her Barclays account. She disputed: - 75 transactions which had ta... (4 pages)View decision -
Decision Reference DRN-5029827
27 Jan 2025 Barclays Bank Plc Not upheldBanking and PaymentsDRN-5029827 The complaint W complains that Barclays Bank Plc trading as Barclaycard didn’t close its credit card account when asked. This complaint is being brought by Mr B, the director of W, however I will refer to W throughout this decision. What happened On 2 April 2024, W returne... (2 pages)View decision -
Decision Reference DRN-5236132
27 Jan 2025 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-5236132 The complaint Mr M complains that the conditional sale agreement he entered into with Moneybarn No. 1 Limited trading as Moneybarn was unaffordable. He wants 50% of the remaining repayments to be waived for the distress he has been caused. What happened Mr M entered into a c... (4 pages)View decision -
Decision Reference DRN-5281836
27 Jan 2025 Madison CF UK Limited Not upheldConsumer CreditDRN-5281836 The complaint Mr W, through a representative, says Madison CF UK Limited, trading as 118 118 Money, irresponsibly lent to him. What happened Mr W took out two loans from 118 118 Money. The first was for £1,000 over 12 months in April 2022. The monthly repayments were £112.24... (4 pages)View decision -
Decision Reference DRN-5287586
27 Jan 2025 Santander UK Plc Not upheldMortgagesDRN-5287586 The complaint Mr L complains that Santander UK Plc misled him that his mortgage product was portable. Santander then declined his porting application. Mr L asks that the early repayment charge (ERC) of about £7,500 is waived or refunded. What happened Mr L took out a new int... (3 pages)View decision -
Decision Reference DRN-5251637
27 Jan 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5251637 The complaint Mr C complains that Barclays Bank UK PLC trading as Tesco Bank reported incorrect information to the Credit Reference Agencies (CRA’s). What happened Mr C says that Tesco reported to the CRA’s that he only paid his minimum statement balance when he paid his ful... (2 pages)View decision -
Decision Reference DRN-5281140
27 Jan 2025 Metro Bank PLC UpheldBanking and PaymentsDRN-5281140 The complaint Mr F complains that Metro Bank Plc (‘Metro’) gave him a current account instead of a basic bank account when he was in financial difficulty. He’s unhappy that Metro permitted him to use the current account’s unauthorised overdraft facility, and this led to a ne... (6 pages)View decision -
Decision Reference DRN-5237935
27 Jan 2025 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-5237935 The complaint Mr C complains that he received nuisance calls from a number which he later found out was Sainsburys Bank Plc. What happened Mr C holds a credit card account with Sainsburys. In September 2024 Mr C received calls from a number he didn’t recognise. Each time he ... (2 pages)View decision -
Decision Reference DRN-5287190
27 Jan 2025 Starling Bank Limited UpheldBanking and PaymentsDRN-5287190 The complaint M, a religious charity, complains that Starling Bank Limited unreasonably declined to open an account for them. What happened In August 2023 M applied for an account with Starling. The bank reviewed the application but declined to open an account. They decline... (3 pages)View decision
