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 119592 results
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Decision Reference DRN-3245702
4 Jul 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3245702 The complaint Ms P complains that Everyday Lending Limited trading as Everyday Loans (EDL) gave her loans that she couldn’t afford to repay. What happened Ms P took out two loans with EDL, on the following basis: Loan Date Amount borrowed Term APR Monthly repayment Total repay... (5 pages)View decision -
Decision Reference DRN-3575755
4 Jul 2022 Domestic & General Insurance Plc UpheldInsuranceDRN-3575755 The complaint Mr and Mrs S complained that their claim for accidental damage was unfairly declined by Domestic & General Insurance Plc (“D&G”) under their accidental damage insurance policy. What happened After Mr and Mrs S’ freezer broke down in December 2019, they pur... (4 pages)View decision -
Decision Reference DRN-3571105
4 Jul 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3571105 Complaint Mr B is unhappy that HSBC UK Bank Plc (“HSBC”) recorded a fraud prevention marker against him. Background In July 2021, Mr B applied for an HSBC bank account. HSBC was concerned that Mr B made material misrepresentations in the personal information he provided. So it ... (3 pages)View decision -
Decision Reference DRN-3479940
3 Jul 2022 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3479940 The complaint Mr C complains that Creation Consumer Finance Ltd rejected his claim under section 75 of the Consumer Credit Act 1974. What happened In December 2019 Mr C ordered furniture from a supplier and entered into a fixed sum loan agreement with Creation. The furniture wa... (4 pages)View decision -
Decision Reference DRN-3290451
2 Jul 2022 Oakbrook Finance Limited UpheldConsumer CreditDRN-3290451 The complaint Mr J complains that Oakbrook Finance Limited (“Oakbrook”) gave him incorrect advice and reported inaccurate information to credit reference agencies. What happened Mr J took out a loan and made a partial settlement towards it in 2016. He says he was advised to do ... (4 pages)View decision -
Decision Reference DRN-3574856
1 Jul 2022 PSA Finance UK Limited UpheldConsumer CreditDRN-3574856 The complaint Mr F complains about the way in which PSA Finance UK Limited managed his account. What happened Mr F entered into a finance agreement with PSA. The first car was faulty, and Mr F was supplied with a replacement car, but didn’t receive a new agreement. When the agr... (2 pages)View decision -
Decision Reference DRN-3556324
1 Jul 2022 MotoNovo Finance Limited UpheldConsumer CreditDRN-3556324 The complaint Mrs D complains that a car acquired with finance from MotoNovo Finance Limited wasn’t of satisfactory quality. What happened In March 2020 Mrs D was supplied with a car and entered into a hire purchase agreement with MotoNovo. Soon after getting the car Mrs D expe... (2 pages)View decision -
Decision Reference DRN-3501440
1 Jul 2022 Startline Motor Finance Limited UpheldConsumer CreditDRN-3501440 The complaint Miss G complains that a car acquired with finance from Startline Motor Finance Limited wasn’t of satisfactory quality. What happened In August 2020 Miss G was supplied with a car and entered into a finance agreement with SMF. At the point of supply the car was aro... (3 pages)View decision -
Decision Reference DRN-3330404
1 Jul 2022 Aviva Insurance Limited UpheldInsuranceDRN-3330404 The complaint Company P has complained about Aviva Insurance Limited. It isn’t happy about the way it dealt with a claim under its motor insurance policy and the final settlement paid. What happened Company P entered into a lease agreement for its new car in March 2021 for a pe... (2 pages)View decision -
Decision Reference DRN-3573298
1 Jul 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3573298 The complaint Mr S, a sole trader, complains HSBC UK Bank Plc (“HSBC”) placed his business account under review and blocked it. Mr S says this caused him to default on payments to other companies, and his business to fold. What happened HSBC applied a block on Mr S’ account in ... (4 pages)View decision
