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 121115 results
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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 -
Decision Reference DRN-3663220
1 Sep 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3663220 The complaint Mr L complains that Bank of Scotland plc (BoS) trading as Halifax blocked his credit card whilst he was abroad. He is unhappy with the time taken to speak to someone about this. Mr L would like BoS to contact consumers when fraud is suspected. And would like more ... (2 pages)View decision -
Decision Reference DRN-3568872
1 Sep 2022 Metro Bank PLC UpheldBanking and PaymentsDRN-3568872 The complaint Miss M is unhappy because Metro Bank PLC (‘Metro’) did not reimburse the money she transferred to a fraudster. What happened Miss M says that for some months she had followed someone on a social media platform. I’ll refer to this person as A. A posted something ab... (6 pages)View decision -
Decision Reference DRN-3645933
1 Sep 2022 Close Brothers Limited UpheldConsumer CreditDRN-3645933 The complaint Mr Z and Ms G complain about the quality of a car supplied by Close Brothers Limited (“CBL”) trading as Motor Finance. What happened In February 2021 Mr Z and Ms G entered into a conditional sale agreement with CBL for a used car. The car was just under nine years... (8 pages)View decision -
Decision Reference DRN-3358288
1 Sep 2022 East End Fair Finance Limited UpheldConsumer CreditDRN-3358288 The complaint Mr W is unhappy that East End Fair Finance Limited trading as Fair Finance (FF) provided him with a loan that he couldn’t afford to repay. What happened In August 2020, Mr W took out a loan with FF of £500, repayable over 12 months. The APR was 188%, the monthly r... (4 pages)View decision
