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 118878 results
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Decision Reference DRN-3197550
10 May 2022 Red Sands Insurance Company (Europe) Limited UpheldInsuranceDRN-3197550 The complaint Ms C has complained that Red Sands Insurance Company (Europe) Limited (‘Red Sands’) avoided her home insurance policy and refused to pay her claim. What happened Ms C took out a home insurance policy with Red Sands. About three months later, Ms C contacted Red San... (3 pages)View decision -
Decision Reference DRN-3370161
10 May 2022 Startline Motor Finance Limited UpheldConsumer CreditDRN-3370161 The complaint Mr B has complained Startline Motor Finance Limited (Startline) didn’t treat him fairly when he asked for help. What happened Mr B acquired a car under a hire purchase agreement with Startline in 2017. The car cost around £16,500 and was due to be paid back over f... (5 pages)View decision -
Decision Reference DRN-3469121
10 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3469121 The complaint Mr S complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. What happened Mr S took out an Aqua credit card in November 2018. It initially had a credit limit of £1,200. Mr S thinks the initial limit was fair but then the credit limit wa... (3 pages)View decision -
Decision Reference DRN-3279859
10 May 2022 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3279859 The complaint Miss D complains that Moneybarn No. 1 Limited (“Moneybarn”) irresponsibly granted her a conditional sale agreement she couldn’t afford to repay. What happened In September 2017, Miss D acquired a used car financed by way of a conditional sale agreement from Money... (3 pages)View decision -
Decision Reference DRN-3330930
10 May 2022 Startline Motor Finance Limited UpheldConsumer CreditDRN-3330930 The complaint Mr G complains that Startline Motor Finance Limited (Startline) treated him unfairly when he struggled to meet repayments, due to the Coronavirus (Covid-19) pandemic. What happened In June 2019, Mr G was supplied a car through hire purchase agreement ... (3 pages)View decision -
Decision Reference DRN-3423972
10 May 2022 Tesco Underwriting Limited UpheldInsuranceDRN-3423972 The complaint Mrs D complains that Tesco Underwriting Limited (“Tesco”) has unfairly handled a subsidence claim under her home insurance policy. What happened The background of this complaint is well known to all parties, so I’ve summarised events. Mrs D made a claim under her... (4 pages)View decision -
Decision Reference DRN-3103395
10 May 2022 Sainsbury's Bank Plc UpheldConsumer CreditDRN-3103395 The complaint Mr S complains Sainsbury’s Bank Plc lent to him irresponsibly when it approved a personal loan. He brings this complaint with the assistance of his daughter but for ease of reading I shall refer to Mr S. What happened In July 2018 Mr S contacted Sainsbury’s Bank b... (4 pages)View decision -
Decision Reference DRN-3461190
10 May 2022 One Insurance Limited UpheldInsuranceDRN-3461190 The complaint Mr J’s representative complains on Mr J’s behalf that One Insurance Limited (One Insurance) unfairly declined his claim and cancelled his motor insurance policy. References to Mr J or his representative, will include the other. There are several parties and repres... (4 pages)View decision -
Decision Reference DRN-3439613
10 May 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3439613 The complaint Mr H is complaining that Barclays Bank UK PLC trading as Barclaycard hasn’t refunded an amount he paid on his credit card for a modelling shoot for his daughter. He brings the claim under Section 75 of the Consumer Credit Act 1974 (S75). What happened In November ... (3 pages)View decision -
Decision Reference DRN-3360199
9 May 2022 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3360199 The complaint Mr S complains that a car acquired with finance from Creation Consumer Finance Ltd wasn’t of satisfactory quality. What happened In November 2020 Mr S was supplied with a car and entered into a hire purchase agreement with Creation. At the point of supply the car ... (3 pages)View decision
