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-4942156
15 Aug 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4942156 The complaint Mr D complains that Lloyds Bank PLC was irresponsible in its lending to him. Mr D is represented by a third party but for ease of reference I have referred to Mr D throughout this decision. What happened Mr D was provided with a £200 overdraft by Lloyds in Nove... (3 pages)View decision -
Decision Reference DRN-4683321
15 Aug 2024 Arval UK Limited UpheldConsumer CreditDRN-4683321 The complaint Miss L complains about the management and administration of her hire agreement by Arval UK Limited. What happened On 19 June 2020 Miss L entered into a hire agreement with Arval for a car. Under the terms of the agreement, everything else being equal, Miss L un... (7 pages)View decision -
Decision Reference DRN-4964701
15 Aug 2024 Stellantis Financial Services UK Limited UpheldConsumer CreditDRN-4964701 The complaint Miss F complains about the management and administration by Stellantis Financial Services UK Limited of her hire purchase agreement. What happened On 29 September 2020 Miss F entered into an agreement with Stellantis for a new car. On 31 August 2023 Stellanti... (4 pages)View decision -
Decision Reference DRN-4964154
15 Aug 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4964154 Complaint Mr R has complained that Monzo Bank Ltd (“Monzo”) allowed him to continue using his overdraft when it ought to have been apparent that he was in financial difficulty. Background One of our investigators looked at Mr R’s complaint and thought that Monzo should have... (3 pages)View decision -
Decision Reference DRN-4967149
15 Aug 2024 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-4967149 The complaint Mrs L has complained about Hitachi Capital (UK) Plc, now trading as Mitsubishi HC Capital UK Plc’s (‘Mitsubishi’) response to a claim she made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’) and in relation to allegations of an unfair rela... (8 pages)View decision -
Decision Reference DRN-4967147
15 Aug 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4967147 The complaint Mr D has complained about the way Creation Consumer Finance Ltd (“Creation”) responded to claims he’d made in relation to misrepresentation, breach of contract, and an alleged unfair relationship taking into account section 140A (“s.140A”) of the Consumer Credi... (8 pages)View decision -
Decision Reference DRN-4967145
15 Aug 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4967145 The complaint R holds a business bank account and secured loan with Barclays Bank UK PLC. R is unhappy about the actions Barclays took when the mortgage fell into arrears and it doesn’t consider it was given enough time to clear the arrears before action was taken. It is als... (6 pages)View decision -
Decision Reference DRN-4966627
14 Aug 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4966627 The complaint Mr K complains that Santander UK Plc wrongly allowed his ex-wife to reduce the overdraft limit on their joint account, which he says was facilitating economic abuse. What happened Mr and Mrs K held a joint current account with Santander with an overdraft facil... (3 pages)View decision -
Decision Reference DRN-4644891
14 Aug 2024 Startline Motor Finance Limited UpheldConsumer CreditDRN-4644891 The complaint Mrs R is unhappy that the car supplied to her under a hire purchase agreement with Startline Motor Finance Limited (‘Startline’) was of an unsatisfactory quality. When I refer to what Mrs R said and what Startline said, it should also be taken to include thing... (5 pages)View decision -
Decision Reference DRN-4741591
14 Aug 2024 Advantage Insurance Company Limited UpheldInsuranceDRN-4741591 The complaint Mr L is complaining about the way Advantage Insurance Company Limited has handled a claim he made on his car insurance policy. What happened Mr L took out a car insurance policy with Advantage which he took out through a broker. In March 2023, Mr L was involved... (4 pages)View decision