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 119923 results
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Decision Reference DRN-4369104
1 Nov 2023 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-4369104 The complaint Mr L bought timeshare products and holiday club memberships with the help of finance provided by Clydesdale Financial Services Limited (which I’ll call “BPF”). The company which managed one of the holiday clubs is in liquidation, and so Mr L says he has a claim fo... (5 pages)View decision -
Decision Reference DRN-4058044
1 Nov 2023 Metro Bank PLC UpheldConsumer CreditDRN-4058044 The complaint Mrs B complains that Metro Bank PLC trading as RateSetter (“RateSetter”) is holding her liable for the debt on a loan taken out in her name without her knowledge and consent. What happened The background to this complaint is well known to both parties, so I won’t ... (2 pages)View decision -
Decision Reference DRN-4262451
1 Nov 2023 Arval UK Limited UpheldConsumer CreditDRN-4262451 The complaint Mr H complains that a car acquired under a hire agreement with Arval UK Limited wasn’t of satisfactory quality because the USB connection became detached. What happened In December 2021 Mr H was supplied with a brand new car and entered into a hire agreement with ... (3 pages)View decision -
Decision Reference DRN-4404817
1 Nov 2023 Link Financial Outsourcing Limited UpheldConsumer CreditDRN-4404817 The complaint Miss M complains that Link Financial Outsourcing Limited trading as Asset Link Capital (No. 9) (‘Asset Link’) irresponsibly lent to her. What happened Asset Link took over legal responsibility for the loan from another business, Asset Link Corporation Limited. So ... (4 pages)View decision -
Decision Reference DRN-4431816
1 Nov 2023 Connells Limited UpheldMortgagesDRN-4431816 The complaint This complaint is about mortgage advice Miss F received from a broker firm that is part of Connells Limited. She’s unhappy that the broker told her the mortgage she wanted was unaffordable. This was despite her already being in possession of a decision-in-principl... (3 pages)View decision -
Decision Reference DRN-4431577
1 Nov 2023 Citibank UK Limited UpheldBanking and PaymentsDRN-4431577 The complaint Ms K and X held a joint account with Citibank UK Limited. They complain that a payment to that account was blocked, and that Citibank did not keep them properly informed about the reasons for that, or about what it was doing to trace the payment. They seek compens... (3 pages)View decision -
Decision Reference DRN-4047348
1 Nov 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4047348 The complaint Mr O complains that Options UK Personal Pensions LLP (“Options” – formerly Carey Pensions UK LLP) shouldn’t have accepted his application to transfer his occupational pension scheme into an Options self-invested personal pension (“SIPP”). He says Options failed to... (44 pages)View decision -
Decision Reference DRN-4381798
1 Nov 2023 Erudio Student Loans Limited UpheldConsumer CreditDRN-4381798 The complaint Ms C complains that Erudio Student Loans Limited unfairly terminated her loan account which means she’s no longer eligible for deferment or to have the balance written off. What happened Ms C took three loans with the Student Loan Company between 1994 and 1997. Th... (3 pages)View decision -
Decision Reference DRN-4430126
1 Nov 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4430126 The complaint Miss S complains that Tesco Personal Finance PLC (“Tesco”), trading as Tesco Bank, irresponsibly granted her a credit card she couldn’t afford to repay. What happened In January 2020 Miss S entered into an agreement with Tesco to have access to credit by way of a... (3 pages)View decision -
Decision Reference DRN-4215653
1 Nov 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4215653 The complaint Miss R complains National Westminster Bank Plc (“NatWest”) restricted and then closed her accounts without explanation. Miss R adds that NatWest’s handling of the matter and related communication has been extremely poor. Miss R says NatWest’s actions have caused h... (8 pages)View decision
