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 120469 results
-
Decision Reference DRN-3669304
1 Sep 2022 Provident Personal Credit Limited UpheldConsumer CreditDRN-3669304 The complaint Miss P complains Provident Personal Credit Limited failed to fully carry out the agreement she had with it to settle a previous unaffordable lending complaint. What happened In December 2019 Provident made an offer to settle a complaint Miss P had raised about her... (6 pages)View decision -
Decision Reference DRN-3678420
1 Sep 2022 Klarna Bank AB (publ) UpheldConsumer CreditDRN-3678420 The complaint Mr G is unhappy with how Klarna Bank AB (publ) (Klarna) recorded his payment history with a credit reference agency. What happened In October 2019, Mr G purchased an item on interest free credit. A running-account credit agreement was set up with Klarna at this ti... (3 pages)View decision -
Decision Reference DRN-3677618
1 Sep 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3677618 The complaint Miss M complains that the loans she had from Evergreen Finance London Limited (trading as Moneyboat) were unaffordable to her. What happened Miss M had three loans from Moneyboat between April 2021 and June 2021 as follows: Loan Date Amount Term Monthly Repayment ... (3 pages)View decision -
Decision Reference DRN-3535039
1 Sep 2022 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-3535039 The complaint Mrs E complains that Clydesdale Bank Plc trading as Virgin Money (“Virgin”) didn’t return an important original document to her and have subsequently mislaid it. What happened In or around early 2020, Virgin asked Mrs E to provide them with various documents in re... (2 pages)View decision -
Decision Reference DRN-3614321
1 Sep 2022 Five Lamps Trading Ltd UpheldConsumer CreditDRN-3614321 The complaint Mr H complains that Five Lamps Trading Ltd (“Five Lamps”) provided him with credit he couldn’t afford to repay. What happened Five Lamps approved a loan of £500 for Mr H in June 2020. The loan was to be repaid at £101.25 per month over a six month period. Mr H say... (2 pages)View decision -
Decision Reference DRN-3678109
1 Sep 2022 John Lewis Financial Services Limited UpheldBanking and PaymentsDRN-3678109 The complaint Mr W complains about the way John Lewis Financial Services Limited (“JLFS”) handled a claim under section 75 of the Consumer Credit Act 1974 (“CCA”). What happened In August 2020, Mr W acquired a new car from a dealership. He paid a deposit of £250 using his JLFS ... (3 pages)View decision -
Decision Reference DRN-3674357
1 Sep 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3674357 The complaint Mr B complains that Loans 2 Go Limited (LTGL) provided him with loans that were unaffordable. What happened Mr B took out two loans with LTGL on the following basis: Loan number Date Loan amount Term APR Total amount repayable Monthly repayment amount Loan purpose... (8 pages)View decision -
Decision Reference DRN-3675830
1 Sep 2022 Bank of Ireland (UK) Plc UpheldMortgagesDRN-3675830 The complaint Mr F complained that Bank of Ireland (UK) Plc trading as Bank of Ireland Mortgages (“BOI”) delayed in releasing the deeds for his property, so his sale was delayed. Mr F wanted BoI to pay the mortgage costs and his household bills for the time the sale was delayed... (3 pages)View decision -
Decision Reference DRN-3658426
1 Sep 2022 AXA Insurance UK Plc UpheldInsuranceDRN-3658426 The complaint Mrs A has complained about the way AXA Insurance UK Plc dealt with a claim she made under her home and buildings insurance policy. What happened Mrs A’s garage was damaged when a neighbour’s tree collapsed onto it. Mrs A made a claim to her insurer AXA. AXA accept... (3 pages)View decision -
Decision Reference DRN-3677734
1 Sep 2022 Lex Autolease Ltd UpheldConsumer CreditDRN-3677734 The complaint Mrs K is unhappy with the quality of a car supplied to her under a hire agreement with Lex Autolease Limited. She also complains about the amount of money that was refunded to her after the agreement was terminated. What happened In October 2021 Mrs K entered into... (5 pages)View decision
