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-3415546
3 May 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3415546 Complaint Mrs B has complained about loans AvantCredit of UK, LLC (“Avant Credit”) provided to her. She says the loans were unaffordable. Background Avant Credit provided Mrs B with an initial loan for £2,000.00 in March 2016. This loan was due to be repaid in 24 monthly instal... (2 pages)View decision -
Decision Reference DRN-3430312
3 May 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3430312 Complaint Mr B has complained about an overdraft which was provided to him by Bank of Scotland plc (trading as “Halifax”) on his current account. He’s said that he had a gambling problem which would have been apparent to Halifax had it carried out proportionate checks. And in t... (18 pages)View decision -
Decision Reference DRN-3428869
2 May 2022 Greenlight Credit Ltd UpheldConsumer CreditDRN-3428869 The complaint Mrs C has complained that Greenlight Credit Limited trading as Varooma lent to her irresponsibly. What happened I issued a provisional decision about this complaint in March 2022 that I summarise below. From what I understand, Mrs C was given 11 logbook loans by V... (4 pages)View decision -
Decision Reference DRN-3171179
29 Apr 2022 Volkswagen Financial Services (UK) Limited UpheldConsumer CreditDRN-3171179 The complaint Mr K complains that Volkswagen Financial Services (UK) Limited trading as Bentley Financial Services (VWFS) recorded missed payments on his credit file after he requested a payment holiday he needed as a result of the Coronavirus (Covid-19) pandemic. What happened... (3 pages)View decision -
Decision Reference DRN-3457134
29 Apr 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3457134 The complaint A company which I’ll refer to as ‘‘F’’ complains about HSBC UK Bank Plc’s decision to terminate their business account and withhold the money held in it. Mr Z, director of F, complains on its behalf. What happened In July 2020, F applied for a loan under the Bounc... (5 pages)View decision -
Decision Reference DRN-3456122
29 Apr 2022 Bank of Scotland Plc UpheldMortgagesDRN-3456122 The complaint Mr B and Ms M complain about the refusal by Bank of Scotland plc trading as Halifax to approve their application to remortgage in their names a property that was in the legal ownership of Ms M and her former husband, Mr M. What happened Ms M and her ex-husband div... (8 pages)View decision -
Decision Reference DRN-3408737
29 Apr 2022 First Data Europe Limited UpheldBanking and PaymentsDRN-3408737 The complaint A company, which I’ll refer to as M, complains that First Data Europe Limited have unfairly charged it a monthly compliance fee. M is represented in bringing this complaint by its director, Mr M. What happened M is a merchant. In early 2019, Mr M signed an agreeme... (2 pages)View decision -
Decision Reference DRN-3235888
29 Apr 2022 Vanguard Asset Management, Ltd UpheldInvestmentsDRN-3235888 The complaint Ms S complains that a delay in transferring cash from her existing ISA provider to Vanguard Asset Management, Ltd resulted in a loss when she was eventually able to invest the cash. What happened Vanguard accepts it was responsible for delaying the transfer, so I ... (3 pages)View decision -
Decision Reference DRN-3456526
29 Apr 2022 Vitality Health Limited UpheldInsuranceDRN-3456526 The complaint Mr L complains that Vitality Health Limited turned down his private medical insurance claim. What happened On 25 May 2018, Mr L took out the policy with Vitality. It was taken out on a moratorium basis, which meant that pre-existing conditio... (4 pages)View decision -
Decision Reference DRN-3455554
29 Apr 2022 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-3455554 Complaint Mrs R has complained that Clydesdale Financial Services Limited trading as Barclays Partner Finance (“BPF”) didn’t agree to settle a claim against it under Section 75 of the Consumer Credit Act 1974, in the way she wanted it to. Background Mrs R bought solar panels fo... (4 pages)View decision
