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 125400 results
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Decision Reference DRN-4842853
10 Jun 2024 Advanced Payment Solutions Limited UpheldBanking and PaymentsDRN-4842853 The complaint Mr O complained because Advanced Payment Solutions Limited, trading as Cashplus Bank, refused to refund him for transactions which he said he didn’t authorise. What happened On 17 September 2023, seven payments debited Mr O’s Cashplus account. These were to two or... (5 pages)View decision -
Decision Reference DRN-4032089
10 Jun 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4032089 The complaint Mr H has complained about Creation Consumer Finance Ltd (“Creation”)’s 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 (‘s.... (5 pages)View decision -
Decision Reference DRN-4776992
10 Jun 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4776992 The complaint Mr C complains that HSBC UK Bank Plc (“HSBC”) failed to remove a hard search for a credit application which Mr C made in December 2022. Mr C wants the hard search removed and further compensation. What happened On 16 December 2022 Mr C applied for a credit card wi... (2 pages)View decision -
Decision Reference DRN-4843342
10 Jun 2024 Mulsanne Insurance Company Limited UpheldInsuranceDRN-4843342 The complaint Mrs J complains about Mulsanne Insurance Company Limited’s (Mulsanne) poor claim handling and its failure to pursue a non-fault liability decision, following an accident when driving, under her motor insurance policy. What happened Mrs J was involved in an acciden... (3 pages)View decision -
Decision Reference DRN-4801271
10 Jun 2024 Advantage Insurance Company Limited UpheldInsuranceDRN-4801271 The complaint Mrs P has complained that Advantage Insurance Company Limited failed to advise her correctly when she asked about making a claim for damage to her car when it had been damaged by a hit and run driver. What happened Mrs P’s car was damaged most likely outside her h... (4 pages)View decision -
Decision Reference DRN-4843381
10 Jun 2024 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-4843381 The complaint Miss D complains that BMW Financial Services (GB) Limited (‘BMW’) irresponsibly granted her finance for a new car that she couldn’t afford to repay. What happened In May 2023, Miss D acquired a new car financed by way of a hire purchase agreement from BMW. The pu... (4 pages)View decision -
Decision Reference DRN-4793032
10 Jun 2024 AXA Insurance UK Plc UpheldInsuranceDRN-4793032 The complaint Mrs B has complained about the way in which AXA Insurance UK Plc (‘AXA’) handled a claim for storm damage under her home insurance policy, and the subsequent impact this had on her policy. For the avoidance of doubt, the term AXA includes reference to its represen... (4 pages)View decision -
Decision Reference DRN-4844006
10 Jun 2024 U K Insurance Limited UpheldInsuranceDRN-4844006 The complaint Mr B complains about delays, poor quality repairs, poor communication, and a voided warranty following a claim U K Insurance Limited (UKI) dealt with under his motor insurance policy. What happened Mr B’s car was involved in an accident in late 2022. UKI arranged ... (5 pages)View decision -
Decision Reference DRN-4827840
10 Jun 2024 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4827840 The complaint Mr P is unhappy with several aspects of the service he’s received from Clydesdale Bank Plc, trading as Virgin Money. What happened To briefly summarise: Mr P visited a Virgin branch on 17 March 2023 to raise a Data Subject Access Request (DSAR) with them. Mr P the... (4 pages)View decision -
Decision Reference DRN-4774261
10 Jun 2024 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-4774261 The complaint Mr H complains that Sainsburys Bank Plc (“Sainsburys”) registered a default on his credit file without sending him a default notice or termination letter. He says the default is reporting incorrectly on his credit file as it shows a default in 2020 whereas the acc... (3 pages)View decision
