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 128535 results
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Decision Reference DRN-4334600
19 Jun 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4334600 The complaint Ms F 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 (‘... (5 pages)View decision -
Decision Reference DRN-4861361
19 Jun 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4861361 The complaint Mr C, who is represented by a third party, complains that Moneybarn No.1 Limited, trading as Moneybarn (“Moneybarn”), irresponsibly granted him two conditional sale agreements he couldn’t afford to repay. What happened In July 2020, Mr C acquired a used car financ... (3 pages)View decision -
Decision Reference DRN-3997915
19 Jun 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3997915 The complaint Mr L 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... (5 pages)View decision -
Decision Reference DRN-4857400
19 Jun 2024 AXA Insurance UK Plc UpheldInsuranceDRN-4857400 The complaint Mr H complains about AXA Insurance UK Plc’s (AXA) handling of the claim and declining to pay the difference between market rent and the rent he has been receiving on his Landlord Insurance Policy. Any reference to AXA includes respective agents. What happened The ... (3 pages)View decision -
Decision Reference DRN-4849608
19 Jun 2024 Volkswagen Financial Services (UK) Limited UpheldConsumer CreditDRN-4849608 The complaint Ms M complains that Volkswagen Financial Services (UK) Limited trading as Audi Financial Services was irresponsible when it provided her with a car finance agreement. What happened I issued a decision where I set out my provisional findings and gave both parties a... (3 pages)View decision -
Decision Reference DRN-4834826
19 Jun 2024 The Co-operative Bank Plc UpheldBanking and PaymentsDRN-4834826 The complaint Miss M complains that The Co-operative Bank Plc did not allow her to deposit a lump sum into her Individual Savings Account (ISA), and they provided her with poor customer service. What happened Miss M opened a fixed rate ISA with Co-op and she set up a transfer f... (4 pages)View decision -
Decision Reference DRN-4860775
19 Jun 2024 Aviva Insurance Limited UpheldInsuranceDRN-4860775 The complaint Miss S complains about the way Aviva Insurance Limited (“Aviva”) has handled claims made under her motor insurance policy. What happened Miss S had an accident in 2019 and contacted her insurer, Aviva. Aviva took her car in for repairs but when the car was returne... (3 pages)View decision -
Decision Reference DRN-4813852
19 Jun 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4813852 The complaint Miss K complains that Vanquis Bank Limited (“Vanquis”) provided her with credit that she couldn’t afford to repay. Miss K has been represented throughout this complaint but as she is the account holder I will refer only to her in this decision. What happened Vanqu... (2 pages)View decision -
Decision Reference DRN-3976022
19 Jun 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3976022 The complaint Mr F 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 -
Decision Reference DRN-4647770
19 Jun 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4647770 The complaint Mr N complains Barclays Bank UK PLC delayed transferring funds to him after it closed his account. What happened Mr N was informed in early December 2022 that his account would be closing as he lived outside the UK. Barclays was due to close the account, but Mr N ... (2 pages)View decision