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 125299 results
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Decision Reference DRN-5082162
16 Oct 2024 Telefonica UK Limited UpheldConsumer CreditDRN-5082162 The complaint Miss K has complained about the way Telefonica UK Limited trading as O2 administered fixed sum loan agreements she’d taken out. What happened Miss K has two fixed sum loan agreements (device plans) with O2. She bought a watch using a three-year device plan in ... (3 pages)View decision -
Decision Reference DRN-5085178
16 Oct 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-5085178 The complaint Mr J has complained about Creation Consumer Finance Ltd’s (‘Creation’) response to a claim he made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’) and in relation to allegations of an unfair relationship taking in to account Section 140A (... (7 pages)View decision -
Decision Reference DRN-5061382
16 Oct 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5061382 The complaint Mr B complains about HSBC UK Bank Plc’s service and delays when he made a global money transfer, which prevented him obtaining an immediate refund of his funds. What happened Having taken out a loan with HSBC, on 10 April 2024 Mr B credited his bank account in ... (3 pages)View decision -
Decision Reference DRN-5085093
16 Oct 2024 Aviva Insurance Limited UpheldInsuranceDRN-5085093 The complaint Mr G and Ms H complain about Aviva Insurance Limited’s (Aviva) handling and settlement of a claim made under their car insurance policy. What happened Mr G has a car insurance policy underwritten by Aviva. Ms H is a named driver on the policy, and the vehicle ... (4 pages)View decision -
Decision Reference DRN-4832465
16 Oct 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4832465 The complaint Mr G complains that Zopa Bank Limited (Zopa) were unsupportive and showed no empathy when he contacted them about his financial difficulties. What happened In July 2023 Mr G’s hire purchase agreement with Zopa was terminated by them when Mr G fell into arrears.... (2 pages)View decision -
Decision Reference DRN-4777287
16 Oct 2024 Advantage Finance Ltd UpheldConsumer CreditDRN-4777287 The complaint Miss S complains about the quality of a car supplied to her by Advantage Finance Ltd (“Advantage Finance”). What happened Miss S acquired a used car under a 60 month hire purchase agreement with Advantage Finance in July 2022. The car cost £8,115. Under the agr... (5 pages)View decision -
Decision Reference DRN-4856222
15 Oct 2024 Black Horse Limited UpheldConsumer CreditDRN-4856222 The complaint Mrs P complains that a car that was supplied to her under a hire purchase agreement with Black Horse Limited, trading as Land Rover Financial Services, wasn’t of satisfactory quality. What happened A used car was supplied to Mrs P under a hire purchase agreeme... (5 pages)View decision -
Decision Reference DRN-4870660
15 Oct 2024 Citygate Automotive Ltd UpheldConsumer CreditDRN-4870660 The complaint Mr P complains about Citygate Automotive Ltd trading as Citygate SKODA Slough (“Citygate Skoda’s”) involvement in setting up a hire agreement for a car. What happened In June 2023 Mr P ordered a brand-new car from Citygate Skoda. The car was going to be supplie... (4 pages)View decision -
Decision Reference DRN-5069810
15 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5069810 The complaint Mr A, through a representative, says NewDay Ltd, trading as Marbles, irresponsibly lent to him. What happened Mr A applied for a credit card from NewDay in August 2017. It was approved with a limit of £900. This was decreased to £600 in November 2017. He was th... (4 pages)View decision -
Decision Reference DRN-4823487
15 Oct 2024 Mi Vehicle Finance Limited UpheldConsumer CreditDRN-4823487 The complaint Miss D complains about the quality of a used vehicle that was supplied through a Hire Purchase Agreement with MI Vehicle Finance Limited (MIVFL). What happened Around October 2022, Miss D entered into a Hire Purchase Agreement with MIVFL to acquire a used vehic... (6 pages)View decision
