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 128312 results
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Decision Reference DRN-4975947
20 Aug 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-4975947 The complaint Ms M complains that Loans 2 Go Limited was irresponsible to lend to her. What happened Ms M was approved for the following loan from Loans 2 Go in April 2022: Loan Date Amount Term Repayment 1 12 Apr 2022 £980 18m £201.44 Ms M says Loans 2 Go didn’t carry ou... (2 pages)View decision -
Decision Reference DRN-4676587
20 Aug 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4676587 The complaint Mr P complains that HSBC UK Bank Plc reported an overdue debit balance on his credit file following its decision to close his bank account. What happened Mr P had an account with HSBC. In February 2023, HSBC closed Mr P’s account. Mr P says he asked for an expl... (3 pages)View decision -
Decision Reference DRN-4976086
20 Aug 2024 Stellantis Financial Services UK Limited UpheldConsumer CreditDRN-4976086 The complaint Mr H complains Stellantis Financial Services UK Limited trading as Vauxhall Finance (Vauxhall) supplied him with a car that he believes wasn’t of satisfactory quality at supply. What happened In March 2021, Mr H entered into a 48 month hir... (5 pages)View decision -
Decision Reference DRN-4915778
20 Aug 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4915778 The complaint Mrs R, who is represented by her father in this complaint, complains that National Westminster Bank Plc (‘NatWest’) irresponsibly gave her two credit card accounts she couldn’t afford. What happened In August 2020, Mrs R applied for and was granted a credit ca... (4 pages)View decision -
Decision Reference DRN-4848417
20 Aug 2024 Advantage Insurance Company Limited UpheldInsuranceDRN-4848417 The complaint Mrs P complained about the way Advantage Insurance Company Limited repaired her property after she made a claim under her home insurance policy and the fact that some repairs were outstanding. References to Advantage in this decision include its agents. What ... (2 pages)View decision -
Decision Reference DRN-4890738
20 Aug 2024 Toyota Financial Services (UK) Plc UpheldConsumer CreditDRN-4890738 The complaint Mr K complains that a car supplied to him by Toyota Financial Services (UK) PLC (“TFS”) was misrepresented. What happened Mr K acquired a used car under a 49 month hire purchase agreement with TFS in August 2022. The car cost around £24,343. Mr K made a cash de... (4 pages)View decision -
Decision Reference DRN-4591067
20 Aug 2024 Aldermore Bank Plc UpheldBanking and PaymentsDRN-4591067 The complaint F complains that Aldermore Bank Plc (Aldermore) paid disputed service charge arrears without its consent and refused to honour a fixed-interest rate product sent to it in error. What happened Aldermore sent F a letter inviting it to apply for a new fixed intere... (6 pages)View decision -
Decision Reference DRN-4975443
20 Aug 2024 Cynergy Bank Plc UpheldBanking and PaymentsDRN-4975443 The complaint Mr B is unhappy that Cynergy Bank Plc gave him incorrect information when he called to discuss a potential ISA transfer with them. What happened On 27 January 2023, Mr B invested £59,193.19 into a one-year fixed-rate cash ISA (“FRISA”) with Cynergy. The FRISA ... (3 pages)View decision -
Decision Reference DRN-4579288
20 Aug 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4579288 The complaint Mr R has complained about what happened when Lloyds Bank PLC closed his account. What happened Mr R had a credit card account with Lloyds, which it decided to close. Accordingly, it wrote to him to give him two months’ notice. When he received the letter, he co... (2 pages)View decision -
Decision Reference DRN-4682157
20 Aug 2024 National Savings and Investments UpheldBanking and PaymentsDRN-4682157 The complaint Mr E complains that National Savings and Investments gave him incorrect information regarding his accounts. What happened Mr E is represented by M, who are his solicitors. For ease, I’ve referred to statements made by M as being made by Mr E. The details of the... (3 pages)View decision