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 119142 results
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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 -
Decision Reference DRN-3375662
9 May 2022 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-3375662 The complaint Mrs S complains about end of contract charges when her agreement with Santander Consumer (UK) Plc ended. What happened In September 2018 Mrs S was supplied with a car and entered into a contract hire agreement with Santander. When the agreement ended, the car was ... (2 pages)View decision -
Decision Reference DRN-3294600
9 May 2022 Monzo Bank Ltd UpheldBanking and PaymentsDRN-3294600 The complaint Mrs M complains Monzo Bank Ltd won’t reimburse money she lost when she fell victim to a scam. The full details of this complaint are well known to both parties, so I won’t repeat them again here. Instead, I’ll recap the key points and focus on giving reasons for m... (2 pages)View decision -
Decision Reference DRN-3433937
9 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3433937 The complaint Miss B complains about two loans provided to her by Everyday Lending Limited, trading as Everyday Loans, (“ELL”), which she says were unaffordable. What happened ELL agreed two loans for Miss B between August 2017 and July 2019. Loan 2 was used to repay Loan 1. Ac... (6 pages)View decision -
Decision Reference DRN-3460461
9 May 2022 Great Lakes Insurance SE UpheldInsuranceDRN-3460461 The complaint Mr and Mrs K and Mr and Mrs S complain that Great Lakes Insurance SE has turned down a cancellation claim they made on a travel insurance policy. What happened In January 2020, Mr and Mrs K and Mr and Mrs S booked a UK holiday and they were due to travel between 4... (5 pages)View decision -
Decision Reference DRN-3168008
9 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3168008 The complaint Miss C is unhappy that NewDay Ltd increased the credit limit on her credit account on several occasions, all of which she feels were unaffordable for her at those times. What happened In March 2018, Miss C applied for a NewDay administered credit account. Her appl... (3 pages)View decision -
Decision Reference DRN-3348257
9 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3348257 The complaint Mr L says Everyday Lending Limited (ELL), trading as Everyday Loans, lent to him irresponsibly. What happened Mr L took out a 36-month instalment loan for £3,500 on 24 September 2018. The monthly repayment was £195.52 and the total repayable was £7,038.72. Mr L sa... (3 pages)View decision
