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-4659746
10 Jul 2024 Mi Vehicle Finance Limited UpheldConsumer CreditDRN-4659746 The complaint Mr K is unhappy with the quality of a vehicle that was supplied to him under a hire purchase agreement with MI Vehicle Finance Limited, trading as Mann Island. What happened On 27 July 2023 Mr K took out a hire purchase agreement with Mann Island. This was for a u... (5 pages)View decision -
Decision Reference DRN-4676588
10 Jul 2024 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-4676588 The complaint Mr C complains about damage fees that Mercedes-Benz Financial Services UK Limited trading as Mercedes-Benz Financial Services (“MBFS”) is seeking the payment of from him. What happened In November 2019 Mr C entered into a hire purchase agreement with MBFS for a ca... (4 pages)View decision -
Decision Reference DRN-4901088
10 Jul 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4901088 The complaint Mrs L is complaining about NewDay Ltd trading as BIP because she says it lent irresponsibly by providing her a credit card she couldn’t afford and going on to increase the limit several times. What happened In September 2021, following her application, NewDay gave... (5 pages)View decision -
Decision Reference DRN-3957645
10 Jul 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3957645 The complaint Mrs B has complained about Creation Consumer Finance Ltd’s (‘Creation’) 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 relationship taking in to account Section 140.A (... (6 pages)View decision -
Decision Reference DRN-3924131
10 Jul 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3924131 The complaint Mrs M has complained about Creation Consumer Finance Ltd’s (‘Creation’) 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 relationship taking in to account Section 140.A (... (6 pages)View decision -
Decision Reference DRN-4899720
10 Jul 2024 Haven Insurance Company Limited UpheldInsuranceDRN-4899720 The complaint Mr D complains that Haven Insurance Company Limited mishandled his claim on a commercial vehicle insurance policy. What happened The subject matter of the claim and the complaint is a van, first registered in 2014. For the year from mid-July 2022, Mr D had the van... (5 pages)View decision -
Decision Reference DRN-4899364
10 Jul 2024 Oodle Financial Services Limited UpheldConsumer CreditDRN-4899364 The complaint Mr T complains about the quality of a car supplied to him on finance by Oodle Financial Services Limited (‘Oodle’). What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my informa... (7 pages)View decision -
Decision Reference DRN-4847051
10 Jul 2024 MBNA Limited UpheldBanking and PaymentsDRN-4847051 The complaint Miss H complains about a claim she made to MBNA Limited in respect of a holiday she bought using her credit card. What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my informal ... (5 pages)View decision -
Decision Reference DRN-4878062
10 Jul 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4878062 The complaint Mr A complains that HSBC UK Bank Plc (‘HSBC’) should pay more compensation than offered so far in connection with its admitted poor service regarding setting up a direct debit payment. What happened In brief summary, HSBC admitted there had been a branch error whe... (3 pages)View decision -
Decision Reference DRN-4893143
10 Jul 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4893143 The complaint Mr T has complained about Creation Consumer Finance Ltd’s (‘Creation’) 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 140.A (‘s... (6 pages)View decision