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-4947363
5 Aug 2024 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-4947363 The complaint Miss M complains that a car supplied to her under a hire purchase agreement with BMW Financial Services (GB) Limited trading as ALPHERA Financial Services (“Alphera”) was misrepresented at the point of sale. What happened I issued a provisional decision on this... (5 pages)View decision -
Decision Reference DRN-4945824
5 Aug 2024 Inclusive Finance Limited UpheldConsumer CreditDRN-4945824 The complaint Miss M complains that the loans she had from Inclusive Finance Limited (trading as Creditspring) were unaffordable to her. What happened Miss M was approved for the following loans from Creditspring between September 2022 and December 2022: Loan Date Amount T... (3 pages)View decision -
Decision Reference DRN-4451201
5 Aug 2024 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-4451201 The complaint Mr S complains about a car he acquired through a conditional sale agreement with Clydesdale Financial Services Limited trading as Barclays Partner Finance (BPF). He believes the car was not of satisfactory quality when supplied to him and is unhappy that he is ... (8 pages)View decision -
Decision Reference DRN-4802805
5 Aug 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4802805 The complaint Mr S complains Barclays Bank UK PLC have placed an incorrect marker on his credit file. What happened Mr S’s credit file shows a “hard” search by Barclays took place on the 27th of February 2024 in relation to an application for a current account. Mr S said he ... (2 pages)View decision -
Decision Reference DRN-4948352
5 Aug 2024 Revolut Ltd UpheldBanking and PaymentsDRN-4948352 The complaint Mr O has complained that Revolut Ltd won’t refund transactions he says he didn’t make or otherwise authorise. What happened Late one night in summer 2023, Mr O’s Revolut card was used for a mixture of cash withdrawals and rapid point-of-sale payments while he w... (3 pages)View decision -
Decision Reference DRN-4947850
5 Aug 2024 AWP P&C S.A. UpheldInsuranceDRN-4947850 The complaint Mr W complains that AWP P&C S.A has turned down his private medical insurance claim. Any reference to AWP includes its agents. What happened Mr W held private medical insurance cover with AWP through his employer. He contacted AWP in September 2023 as he ... (4 pages)View decision -
Decision Reference DRN-4948267
5 Aug 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4948267 The complaint Mr O has complained that HSBC UK Bank Plc won’t refund transactions he says he didn’t make or otherwise authorise. What happened Late one night in summer 2023, Mr O’s HSBC card was used for a mixture of attempted cash withdrawals and rapid point-of-sale payment... (3 pages)View decision -
Decision Reference DRN-4941399
5 Aug 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4941399 The complaint Miss H complains that a used car supplied by Creation Consumer Finance Limited under a hire purchase agreement (HPA) is of unsatisfactory quality. What happened Miss H acquired the car under a HPA that she signed on 9 December 2022. The car was delivered to her... (5 pages)View decision -
Decision Reference DRN-4782236
5 Aug 2024 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-4782236 The complaint Mr S made a claim to Mitsubishi HC Capital UK Plc, trading as Novuna Personal Finance (who I’ll call Novuna) under Section 75 of the Consumer Credit Act 1974 (Section 75). He thinks their response to his claim was unreasonable. What happened Mr S took receipt o... (3 pages)View decision -
Decision Reference DRN-4942576
5 Aug 2024 Scottish Widows Limited UpheldPensions and AnnuitiesDRN-4942576 The complaint Mr B complains that Scottish Widows Limited trading as Clerical Medical (SWL) caused avoidable delays to the transfer of a pension which was linked to a former company he ran. He said that the delays led to issues accessing the cash reserves within that company... (11 pages)View decision