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
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Decision Reference DRN-3137130
23 Nov 2021 Specialist Motor Finance Limited UpheldConsumer CreditDRN-3137130 The complaint Mr A complains that a car that was supplied to him under a hire purchase agreement with Specialist Motor Finance Limited wasn’t of satisfactory quality. What happened A used car was supplied to Mr A under a hire purchase agreement with Specialist Motor Finance tha... (4 pages)View decision -
Decision Reference DRN-3146184
23 Nov 2021 Blue Motor Finance Ltd UpheldConsumer CreditDRN-3146184 The complaint Mr T complains that a car that was supplied to him under a hire purchase agreement with Blue Motor Finance Limited, trading as Blue Motor Finance, wasn’t of satisfactory quality. What happened A used car was supplied to Mr T under a hire purchase agreement with Bl... (4 pages)View decision -
Decision Reference DRN-3096956
23 Nov 2021 Vitality Health Limited UpheldInsuranceDRN-3096956 The complaint Mr A complains that Vitality Health Limited declined his private medical insurance claim. My references to Vitality include its agents. What happened In December 2018 Mr A bought a private medical insurance policy to cover himself and his wife, underwritten by Vit... (4 pages)View decision -
Decision Reference DRN-3081509
23 Nov 2021 TFS Loans Limited UpheldConsumer CreditDRN-3081509 The complaint Mr M has complained that TFS Loans Limited (“TFS Loans”) provided him with two unaffordable loans. What happened TFS Loans provided Mr M with two guarantor loans. The details are as follows: Loan Amount Term Total to repay Monthly Instalment 1 £1000 24m £1650 £68... (4 pages)View decision -
Decision Reference DRN-3173824
23 Nov 2021 U K Insurance Limited UpheldInsuranceDRN-3173824 The complaint Mr and Mrs T are unhappy that U K Insurance Limited (UKI) declined their claim for a hotel booking that they had to cancel due to the Covid-19 pandemic. They were also unhappy with the service provided by UKI in handling the claim. What happened Mr and Mrs T have ... (4 pages)View decision -
Decision Reference DRN-3173537
23 Nov 2021 ZAVAROVALNICA SAVA, D.D. UpheldInsuranceDRN-3173537 The complaint Miss D complains that Zavarovalnica Sava DD unfairly declined her claim on a motor insurance policy. Where I refer to Zavarovalnica Sava DD or the insurer, I include claims-handlers and others insofar as I hold Zavarovalnica Sava DD responsible for their actions. ... (6 pages)View decision -
Decision Reference DRN-3174237
23 Nov 2021 Tesco Underwriting Limited UpheldInsuranceDRN-3174237 The complaint Mr B has complained that Tesco Underwriting Limited has turned down his claim for damage to his car caused by him putting AdBlue in the fuel tank by mistake. Mr B is represented by Mrs B, who is Mr B’s wife and a named driver under Mr B’s policy. What happened Mr... (5 pages)View decision -
Decision Reference DRN-2778691
23 Nov 2021 Temple Finance Limited UpheldConsumer CreditDRN-2778691 The complaint Mr H complains Temple Finance Limited (trading as PerfectHome) lent to him irresponsibly. What happened Mr H entered into four finance agreements with PerfectHome to acquire electronic goods. In February 2017, Mr H entered into an agreement to acquire a smart pho... (4 pages)View decision -
Decision Reference DRN-2414223
23 Nov 2021 Lloyds Bank PLC UpheldBanking and PaymentsDRN-2414223 The complaint Mr R is unhappy that Lloyds Bank PLC (“Lloyds”) is holding him liable for four payments he says he didn’t make or otherwise authorise on his credit card account. What happened Mr R has a credit card account with Lloyds. In October 2019, fraudsters tricked him into... (3 pages)View decision -
Decision Reference DRN-3020364
23 Nov 2021 Shelby Finance Ltd UpheldConsumer CreditDRN-3020364 The complaint Mr G complains that Shelby Finance Ltd, trading as Dot Dot Loans (Shelby), lent to him when it was unaffordable. He says, ‘I had multiple payday loans at the time of applications many with missed payments had they done correct credit checks I should never have bee... (7 pages)View decision
