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 157985 results
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Decision Reference DRN-5048353
11 Mar 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5048353 The complaint Mr D complains that Barclays Bank UK PLC blocked his account without good reason or justification and that it then sought detailed and extensive information from him about the operation of the account. What happened On 6 April 2024 Mr D found out that he was un... (2 pages)View decision -
Decision Reference DRN-5344934
11 Mar 2025 Accord Mortgages Limited Not upheldMortgagesDRN-5344934 The complaint Ms V complains that a surveyor instructed by Accord Mortgages Limited undervalued her property. She said this meant she wasn’t able to obtain a competitive interest rate when her fixed rate ended. What happened Ms V had a buy to let mortgage with Accord. The fi... (2 pages)View decision -
Decision Reference DRN-5099028
11 Mar 2025 CA AUTO FINANCE UK LTD Not upheldConsumer CreditDRN-5099028 The complaint Mr H complains about the quality of three cars supplied to him by CA AUTO FINANCE UK LTD (“CA”) and its decision to lend to him. What happened Mr H entered into three separate hire purchase agreements between January 2023 and March 2023 in order to acquire thre... (7 pages)View decision -
Decision Reference DRN-5269749
11 Mar 2025 JBR Capital Limited UpheldConsumer CreditDRN-5269749 The complaint Mr W is unhappy that a car supplied to him under a hire purchase agreement with JBR Capital Limited (JBR) was of an unsatisfactory quality. What happened In July 2023 Mr W was supplied with a used car through a hire purchase agreement with JBR. He paid a deposi... (6 pages)View decision -
Decision Reference DRN-5229806
11 Mar 2025 Key Currency Limited Not upheldBanking and PaymentsDRN-5229806 The complaint Mr B complains that Key Currency Limited misled him when he used their foreign exchange payment services to exchange a large sum of money from US dollars to sterling. He says he was the subject of a bait and switch scheme, which resulted in him losing money whe... (3 pages)View decision -
Decision Reference DRN-5384467
11 Mar 2025 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-5384467 The complaint Miss C has complained about the quality of a car she acquired using finance from Mercedes- Benz Financial Services UK Limited (‘MBFS’). What happened In September 2023, Miss C entered into a finance agreement with MBFS, for a new car. However, she’s explained t... (4 pages)View decision -
Decision Reference DRN-5347078
11 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5347078 The complaint Mr W complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr W applied for a credit card with Vanquis in February 2019. In his application, Mr W said he was empl... (3 pages)View decision -
Decision Reference DRN-5327782
11 Mar 2025 MotoNovo Finance Limited Not upheldConsumer CreditDRN-5327782 The complaint Mr J complains that the car he acquired through MotoNovo Finance Limited (“MFL”) wasn’t of satisfactory quality. He wants MFL to fairly and reasonably settle his complaint and cover the costs that he’s incurred. What happened Mr J entered into a hire purchase a... (4 pages)View decision -
Decision Reference DRN-5344892
11 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5344892 The complaint Mr S complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr S applied for a credit card with Vanquis in May 2016. In his application Mr S said he had an income ... (3 pages)View decision -
Decision Reference DRN-5122208
11 Mar 2025 Frasers Group Financial Services Limited Not upheldConsumer CreditDRN-5122208 The complaint Mr O complains that Frasers Group Financial Services Limited trading as Studio (Studio) carried out too many credit searches on his credit file following an application he made for a credit facility. He also says that his request for personal data has taken too... (3 pages)View decision
