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 81150 results
-
Decision Reference DRN-3558092
28 Jun 2022 Tesco Personal Finance PLC UpheldConsumer CreditDRN-3558092 The complaint Mr T complains Tesco Personal Finance plc (Tesco) unfairly registered a default on his credit file. What happened Mr T says due to personal issues in October 2019 he missed a payment to his loan account, and this was paid the following month which was allocated by... (4 pages)View decision -
Decision Reference DRN-3566121
28 Jun 2022 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-3566121 The complaint Mr H complains Mercedes-Benz Financial Services UK Limited (MBFS) has unfairly applied end of contract charges following the end of his car hire agreement. What happened In September 2018, Mr H entered into a 24 month hire agreement with MBFS for a new ... (4 pages)View decision -
Decision Reference DRN-3453378
28 Jun 2022 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-3453378 The complaint Mr M is unhappy that BMW Financial Services(GB) Limited (BMWFS), reported negative information on his credit file after he voluntarily terminated his hire purchase agreement. What happened In July 2017, Mr M entered into a hire purchase agreement with BMWFS to acq... (3 pages)View decision -
Decision Reference DRN-3563463
28 Jun 2022 National Savings and Investments UpheldInvestmentsDRN-3563463 The complaint Mr T complains about delays he experienced when encashing his Guaranteed Growth Bond with National Savings and Investments (NS&I). What happened I issued a provisional decision in Mr T’s complaint and set out the background to the complaint and my provisional ... (4 pages)View decision -
Decision Reference DRN-3359926
28 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3359926 The complaint Mr L complains NewDay Ltd irresponsibly lent him two credit cards, and a loan. What happened Mr L took out the following: Aqua credit card in May 2015 with an initial limit of £100 Marbles credit card in December 2016 with an initial limit of £600 Marbles loan ... (5 pages)View decision -
Decision Reference DRN-3561360
28 Jun 2022 British Gas Insurance Limited UpheldInsuranceDRN-3561360 The complaint Mr N complains British Gas Insurance Limited breached his home emergency insurance contract with them when advising him to replace his boiler. What happened I issued a provisional decision, setting out what’s happened, and what I thought about that. I’ve copied th... (6 pages)View decision -
Decision Reference DRN-3565699
28 Jun 2022 MotoNovo Finance Limited UpheldConsumer CreditDRN-3565699 The complaint Miss J complains that although MotoNovo Finance Limited (“MotoNovo”) accepted the finance they had provided was mis-sold; they didn’t acknowledge it was lent irresponsibly. She is also unhappy that to resolve her complaint they offered £150 in recognition of the d... (3 pages)View decision -
Decision Reference DRN-3492548
28 Jun 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3492548 The complaint Mr J has complained that AvantCredit of UK, LLC was irresponsible in lending to him. What happened In June 2018 AvantCredit provided Mr J with a loan of £4,000. The loan was repayable over 36 months and the monthly repayments were £186.07. Mr J said the purpose of... (3 pages)View decision -
Decision Reference DRN-3551191
28 Jun 2022 Oakwood Homeloans Limited UpheldMortgagesDRN-3551191 The complaint Mr and Mrs G are unhappy that Oakwood Homeloans Limited has declined a term extension on their expired interest-only mortgage. What happened In May 2006 Mr and Mrs G took out a mortgage with a lender, G. They borrowed just under £400,000 on an interest-only basis ... (4 pages)View decision -
Decision Reference DRN-3296138
27 Jun 2022 Advantage Finance Ltd UpheldConsumer CreditDRN-3296138 The complaint Mr O complains about the lack of support received from Advantage Finance Ltd (“Advantage”) when he experienced financial difficulties as a result of the Covid-19 pandemic. What happened Mr O acquired a car through a hire purchase agreement with Advantage in 2018. ... (3 pages)View decision
