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 163568 results
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Decision Reference DRN-5269136
6 Feb 2025 CA AUTO FINANCE UK LTD Not upheldConsumer CreditDRN-5269136 The complaint Mr A complains that a used car supplied to him by CA Auto Finance UK Ltd (CA Auto) under a personal contract purchase (PCP) agreement is of unsatisfactory quality and that the car and the PCP agreement were mis-sold. What happened In February 2023... (6 pages)View decision -
Decision Reference DRN-5238606
6 Feb 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5238606 The complaint Mr R has complained that Santander UK Plc acted irresponsibly when it approved his application for a credit card in 2024. Background Mr R applied for a credit card with Santander in January 2024. The application was approved, and he was provided with a card wit... (3 pages)View decision -
Decision Reference DRN-5260424
6 Feb 2025 Black Horse Limited Not upheldConsumer CreditDRN-5260424 The complaint Mr B is unhappy that a car supplied to him under a hire purchase agreement with Black Horse Limited trading as Jaguar Financial Services (‘Black Horse’) was of an unsatisfactory quality. What happened In June 2023, Mr B was supplied with a new car through a hi... (3 pages)View decision -
Decision Reference DRN-5299171
6 Feb 2025 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5299171 The complaint Mr S complains that Clydesdale Financial Services Limited trading as Barclays Partner Finance (‘BPF’) acted unfairly and unreasonably by making deductions from a redress offer it made to him in relation to finance it had provided to purchase a timeshare product... (3 pages)View decision -
Decision Reference DRN-5259251
6 Feb 2025 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-5259251 The complaint Miss C complains that she received poor service from National Westminster Bank Plc when she reported misuse of her credit card. She would like to be paid more compensation. What happened Miss C raised a claim with NatWest on 29 July 2024 regarding unauthorised... (3 pages)View decision -
Decision Reference DRN-5295418
6 Feb 2025 OneSavings Bank Plc Not upheldBanking and PaymentsDRN-5295418 The complaint Mr E complains that OneSavings Bank Plc trading as Kent Reliance didn’t transfer his ISA to one with a higher interest rate upon maturity. What happened Mr E’s ISA was due to mature in September 2024. Kent Reliance wrote to him two weeks before maturity, settin... (3 pages)View decision -
Decision Reference DRN-5228543
6 Feb 2025 Lendable Ltd UpheldConsumer CreditDRN-5228543 The complaint Mrs W complains that Lendable Ltd gave her two loans without properly checking if they were affordable. What happened In October 2019, Mrs W took out a loan with Lendable (loan 1). The loan was for a total of £4,000 with a loan fee of £280 added to the balance.... (3 pages)View decision -
Decision Reference DRN-5194536
6 Feb 2025 Credit Style Limited UpheldConsumer CreditDRN-5194536 The complaint Mr M complains Credit Style Limited (CSL) made errors when collecting an outstanding debt for his car finance which led to him losing his right to voluntarily terminate (VT) the agreement. Mr M’s also unhappy with CSL’s customer service. What happened Mr M has... (2 pages)View decision -
Decision Reference DRN-5153526
6 Feb 2025 Santander UK Plc UpheldBanking and PaymentsDRN-5153526 The complaint Ms A complains that Santander UK Plc won’t refund the money she lost when she was the victim of a scam. What happened In 2019, Ms A found out about an opportunity to invest in a company which leased cars. She was told her investment would be used to fund a veh... (6 pages)View decision -
Decision Reference DRN-5301960
5 Feb 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5301960 The complaint Ms R’s complaint is about Revolut Ltd’s refusal to reimburse her money she says she lost due to a scam. Ms R is represented by Refundee in this matter. However, I will refer to Ms R solely in this decision for ease of reading. What happened The circumstances o... (3 pages)View decision
