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 122624 results
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Decision Reference DRN-3745587
10 Oct 2022 Marsh Finance & Commercial Ltd UpheldConsumer CreditDRN-3745587 The complaint Miss M complains that she was supplied with a car which wasn’t of satisfactory quality under a hire purchase agreement with Marsh Finance & Commercial Ltd (“Marsh”). What happened Miss M entered into a hire purchase agreement with Marsh on 26 October 2021 to f... (4 pages)View decision -
Decision Reference DRN-3672386
10 Oct 2022 TenetConnect Limited UpheldPensions and AnnuitiesDRN-3672386 The complaint Mr E complains about advice he was given to transfer the benefits of two defined-benefit (DB) occupational pension schemes (OPS) to a personal pension plan. He says the advice was unsuitable for him and believes this has caused him a financial loss. Tenet Connect ... (10 pages)View decision -
Decision Reference DRN-3675717
10 Oct 2022 Marsh Finance Ltd UpheldConsumer CreditDRN-3675717 The complaint Mr G complains that a used car he got with a hire purchase agreement (HPA) from Marsh Finance Ltd was of unsatisfactory quality. What happened Mr G acquired this car near the end of August 2021. He had problems not long after - an engine management light (EML) ill... (6 pages)View decision -
Decision Reference DRN-3745461
10 Oct 2022 The Car Finance Company (2007) Ltd UpheldConsumer CreditDRN-3745461 The complaint Miss C complains that The Car Finance Company (2007) Ltd irresponsibly granted her a hire purchase agreement she couldn’t afford to repay. What happened In February 2017, Miss C acquired a used car financed by a hire purchase agreement from TCFC. Miss C was requir... (4 pages)View decision -
Decision Reference DRN-3728567
10 Oct 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3728567 The complaint Mr S complains that Lloyds Bank PLC took a long time to send him some credit card statements he requested. And he had to make many phone calls before they were received. What happened I previously issued a provisional decision on this case. It was my intention to ... (3 pages)View decision -
Decision Reference DRN-3670451
10 Oct 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3670451 The complaint Mrs H is unhappy Bank of Scotland plc (“BOS”) disclosed information about her current account to her husband without her consent. What happened In May 2022, Mrs H and her husband went into a BOS branch to make a payment towards their credit cards. Mrs H advised sh... (2 pages)View decision -
Decision Reference DRN-3741986
10 Oct 2022 American Express Services Europe Limited (AESEL) UpheldBanking and PaymentsDRN-3741986 The complaint Mr D complains that American Express Services Europe Limited (AESEL) irresponsibly increased the credit limit on his credit card on two occasions, when he couldn’t afford the repayments. What happened Mr D was provided with a credit card by AESEL in June 2017, wit... (3 pages)View decision -
Decision Reference DRN-3745324
10 Oct 2022 Ikano Bank AB (publ) UpheldConsumer CreditDRN-3745324 The complaint Miss D has complained that Ikano Bank AB (publ) (“Ikano”) rejected her claim against it under sections 56 and 75 of the Consumer Credit Act 1974 in relation to her purchase of some solar panels. Background Miss D bought solar panels for her home in August 2020. Th... (5 pages)View decision -
Decision Reference DRN-3745103
10 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3745103 The complaint Mrs K complains that NewDay Ltd MasterCard (NewDay) declined a credit card application. What happened In November 2021, Mrs K applied for a branded credit card from NewDay – with a limit of £10,000. NewDay declined the application. Mrs K complained. She accepts th... (3 pages)View decision -
Decision Reference DRN-3340380
10 Oct 2022 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-3340380 The complaint Mr S complains that Santander Consumer (UK) Plc trading as Santander Consumer Finance (“Santander”) unfairly recorded a CIFAS marker in relation to his conditional sale agreement with it. What happened Mr S entered into a conditional sale agreement with Santander... (4 pages)View decision
