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 125399 results
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Decision Reference DRN-4849998
13 Jun 2024 Santander UK Plc UpheldMortgagesDRN-4849998 The complaint Mr P complains that Santander UK Plc caused delay in his mortgage application, which meant he ended up completing at a higher interest rate. What happened Mr P applied for a mortgage with Santander via a broker. This was a re-mortgage on a property he already owne... (6 pages)View decision -
Decision Reference DRN-4818154
13 Jun 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4818154 The complaint Miss H complains that Monzo Bank Ltd (“Monzo”) won’t refund the money she lost after she fell victim to an Authorised Push Payment (“APP”) scam. What happened The background to this complaint is well known to both parties, so I won’t repeat it all in detail here. ... (4 pages)View decision -
Decision Reference DRN-4563046
13 Jun 2024 FCE Bank Plc UpheldConsumer CreditDRN-4563046 The complaint Miss P complains about the quality of a car she acquired through a hire purchase agreement financed by FCE Bank PLC trading as Ford Credit (Ford). What happened In August 2020 Miss P acquired a used car through a hire purchase agreement financed by Ford. Miss P co... (4 pages)View decision -
Decision Reference DRN-4766077
13 Jun 2024 PayPal (Europe) S.à r.l et Cie, S.C.A. UpheldBanking and PaymentsDRN-4766077 The complaint Mr M has complained PayPal (Europe) Sarl et Cie, SCA pursued him for a debt arising from a transaction he’d not made. What happened Mr M was being pursued by PayPal for a debt. This was for a purchase of £2,099.99 made using PayPal credit on 23 September 2022. Mr ... (2 pages)View decision -
Decision Reference DRN-4850278
13 Jun 2024 Evergreen Finance London Limited UpheldConsumer CreditDRN-4850278 The complaint Ms T complains through a representative, that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided her with a loan she couldn’t afford to repay. What happened Ms T was advanced one loan of £300 on 21 June 2019. Ms T was due to make th... (4 pages)View decision -
Decision Reference DRN-4817237
13 Jun 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4817237 Complaint Mr W says that Santander UK Plc (“Santander”) unfairly provided him with an overdraft and then increased its limit in circumstances where it was evident he was unable to repay to what he owed. Background In April 2020, Mr W successfully applied for an overdraft. He wa... (4 pages)View decision -
Decision Reference DRN-4710529
13 Jun 2024 First Response Finance Ltd UpheldConsumer CreditDRN-4710529 The complaint Mr D complains that First Response Finance Ltd (FRFL) irresponsibly entered into a hire purchase agreement with him. He says he was struggling financially at the time and couldn’t afford the repayments. Mr D has been represented by a third party. But for clarity, ... (4 pages)View decision -
Decision Reference DRN-4839775
13 Jun 2024 Secure Trust Bank Plc UpheldConsumer CreditDRN-4839775 The complaint Miss G complains that Secure Trust Bank Plc – trading a Moneyway (“Moneyway) unfairly entered into a hire purchase agreement (“agreement”) with her. She says that due to her personal and financial circumstances at the relevant time the agreement was unaffordable. ... (6 pages)View decision -
Decision Reference DRN-4819058
12 Jun 2024 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4819058 The complaint Mrs C is unhappy with the charges being applied by Specialist Motor Finance Limited (‘SMF’) after they allowed her to reject a car supplied to her under a hire purchase agreement. What happened In October 2022, Mrs C was supplied with a used car through a hire pur... (3 pages)View decision -
Decision Reference DRN-4677490
12 Jun 2024 Zurich Insurance PLC UpheldInsuranceDRN-4677490 The complaint Miss Y complains Zurich Insurance PLC has unfairly declined her buildings insurance claim. All references to Zurich also include its appointed agents. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. In... (2 pages)View decision
