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 130193 results
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Decision Reference DRN-5018681
12 Sep 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5018681 The complaint Mr G, through a representative, says HSBC UK Bank Plc irresponsibly lent to him. What happened Mr G opened a credit card account with HSBC on 8 November 2019. He was given a £9,000 credit limit. Mr G says he already had a significant about of unsecured debt tha... (3 pages)View decision -
Decision Reference DRN-4623853
12 Sep 2024 Hyundai Capital UK Limited UpheldConsumer CreditDRN-4623853 The complaint Miss S is unhappy that a car supplied to her under a conditional sale agreement with Hyundai Capital UK Limited trading as Hyundai Finance was of an unsatisfactory quality. What happened In September 2021, Miss S was supplied with a used car through a conditio... (3 pages)View decision -
Decision Reference DRN-4673848
12 Sep 2024 Oodle Financial Services Limited UpheldConsumer CreditDRN-4673848 The complaint Mr M complains about the quality of a car supplied to him on finance by Oodle Financial Services Limited trading as Oodle Car Finance. What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. ... (5 pages)View decision -
Decision Reference DRN-5019247
12 Sep 2024 Bank of Scotland Plc UpheldConsumer CreditDRN-5019247 The complaint Miss R is complaining about Bank of Scotland plc because she says it lent irresponsibly by providing a loan she couldn’t afford. What happened In 2018, Miss R took out a loan with Bank of Scotland for £3,000. This was repayable over 48 months at £95 per month. ... (3 pages)View decision -
Decision Reference DRN-4980261
12 Sep 2024 Openwork Limited UpheldMortgagesDRN-4980261 The complaint Mr N and Mrs D’s complaint relates to mortgage advice they received from a broker representing Openwork Limited trading as The Openwork Partnership. They believe Openwork caused months of delay in their plans relating to their buy-to-let and residential mortgag... (6 pages)View decision -
Decision Reference DRN-4908797
12 Sep 2024 Bank of Scotland Plc UpheldMortgagesDRN-4908797 The complaint Mr D complains that Bank of Scotland plc trading as Halifax carried out two additional credit searches, several months after he’d decided not to go ahead with a mortgage from it. He said these extra searches affected his credit score. What happened Mr D applied... (3 pages)View decision -
Decision Reference DRN-5010542
12 Sep 2024 Equity For Growth (Securities) Limited UpheldInvestmentsDRN-5010542 The complaint Mr A complains that he was mis-sold an investment by Equity for Growth (Securities) Limited (EforG). He says he was given misleading information about the security of the investment. What happened In June 2019, Mr A invested £100,000 into MIXG Ltd loan notes. ... (21 pages)View decision -
Decision Reference DRN-5018354
12 Sep 2024 esure Insurance Limited UpheldInsuranceDRN-5018354 The complaint Miss R complains about how esure Insurance Limited (“esure”) handled a claim following an accident and subsequent theft of her car. What happened Miss R had a motor insurance policy with esure covering her car. On Thursday 18 May 2023 she was involved in a coll... (5 pages)View decision -
Decision Reference DRN-4904374
12 Sep 2024 Inter Partner Assistance SA UpheldInsuranceDRN-4904374 The complaint Ms H is unhappy with Inter Partner Assistance SA’s (IPA) handling of her claim. What happened Ms H has travel medical insurance with IPA. Ms H was in France for her wedding when she was involved in a road traffic accident. She was the driver of the vehicle and ... (3 pages)View decision -
Decision Reference DRN-4960945
12 Sep 2024 Revolut Ltd UpheldBanking and PaymentsDRN-4960945 The complaint Mr A complains that Revolut Ltd hasn’t refunded him after he fell victim to a scam. What happened The background to this complaint is well known to all parties, so I’ll only provide a summary of events here. Mr A was contacted on WhatsApp by someone offering a... (7 pages)View decision