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 121668 results
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Decision Reference DRN-3891961
16 Jan 2023 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3891961 The complaint Miss S complains that a car acquired with finance from Moneybarn No 1 Limited wasn’t of satisfactory quality. What happened In November 2021 Miss S was supplied with a car and entered into a conditional sale agreement with Moneybarn. At the point of supply the car... (2 pages)View decision -
Decision Reference DRN-3883177
16 Jan 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3883177 The complaint Mr S complains that Tesco Personal Finance PLC trading as Tesco Bank lent to him irresponsibly. What happened In March 2017 Mr S applied for a credit card account with Tesco. Tesco approved the application and gave Mr S an initial credit limit of £250. The credit ... (3 pages)View decision -
Decision Reference DRN-3882776
16 Jan 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3882776 The complaint Mr D complains that NewDay Ltd trading as Marbles lent to him irresponsibly by increasing his credit limit. What happened In April 2016 Mr D opened a credit card account with NewDay with an initial credit limit of £250. In November 2016 NewDay increased the credit... (3 pages)View decision -
Decision Reference DRN-3903306
16 Jan 2023 Nationwide Building Society UpheldInsuranceDRN-3903306 The complaint Mr and Mrs M have complained that Nationwide Building Society mis-sold them a mortgage payment protection (PPI) policy. What happened Mr and Mrs M took out the PPI at the same time as arranging a further advance on the mortgage in 1992. Nationwide has no records o... (3 pages)View decision -
Decision Reference DRN-3776161
16 Jan 2023 Toyota Financial Services (UK) Plc UpheldConsumer CreditDRN-3776161 The complaint Mrs H complains that the car she acquired through Toyota Financial Services (UK) Plc (“TFS”) wasn’t of satisfactory quality. She wants to reject the car and cancel the finance agreement. What happened Mrs H entered a hire purchase agreement in February 2021 to acq... (4 pages)View decision -
Decision Reference DRN-3903262
16 Jan 2023 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-3903262 The complaint Mr A has complained that Royal & Sun Alliance Insurance Limited (RSA) avoided his buildings insurance policy and refused to pay his claim. What happened Mr A took out a buildings insurance policy with RSA. Mr A’s property was damaged by a fire, so he contacted... (3 pages)View decision -
Decision Reference DRN-3188729
16 Jan 2023 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-3188729 The complaint Mrs S has complained about the way Mitsubishi HC Capital UK Plc trading as Hitachi Personal Finance (“Mitsubishi”) has dealt with a claim she made under section 75 Consumer Credit Act 1974 (“s.75”). What happened In April 2014, Mrs S entered into a contract to pur... (4 pages)View decision -
Decision Reference DRN-3903170
16 Jan 2023 Salary Finance Loans Limited UpheldConsumer CreditDRN-3903170 The complaint Mr B is unhappy with the service he received from Salary Finance Loan Limited, trading as Salary Finance, surrounding his application for a personal loan. What happened Mr B applied to Salary Finance for a personal loan of £8,000. His application was accepted with... (2 pages)View decision -
Decision Reference DRN-3772668
16 Jan 2023 Aviva Insurance Limited UpheldInsuranceDRN-3772668 The complaint Mr C and Mr S are unhappy with the way Aviva Insurance Limited (“Aviva”) handled their claim under a property owners policy following an escape of water. What happened The circumstances of this complaint are well known to both parties, and largely not in dispute s... (2 pages)View decision -
Decision Reference DRN-3899936
16 Jan 2023 National Westminster Bank Plc UpheldMortgagesDRN-3899936 The complaint Mr H complains that when he asked National Westminster Bank Plc if he could have additional lending on his mortgage, it indicated he could. Mr H said he relied on this in a court hearing, but then NatWest turned him down. What happened Mr H told us he was going th... (5 pages)View decision
