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-3393473
28 Apr 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3393473 The complaint Miss H complains about how Barclays Bank UK PLC dealt with a direct debit indemnity. What happened Miss H says she bought an item for £1,225 via a business I will call “P”. She says she asked Barclays to raise a dispute for the payment in April 2021, but it raised... (2 pages)View decision -
Decision Reference DRN-3401600
28 Apr 2022 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3401600 The complaint Miss J complains Creation Consumer Finance Ltd lent to her irresponsibly. What happened The details of this complaint are well-known to both parties, so I won’t repeat them again here. The facts are not in dispute, so I’ll focus on giving the reasons for my decisi... (2 pages)View decision -
Decision Reference DRN-3098650
28 Apr 2022 PCF Bank Limited UpheldConsumer CreditDRN-3098650 The complaint Mr G complains that the motorhome he acquired through a conditional sale agreement with PCF Bank Limited (“PCF”) wasn’t of satisfactory quality. He wants the cost of the repairs he had carried out to be refunded. What happened Mr G entered a conditional sale agree... (5 pages)View decision -
Decision Reference DRN-3342271
28 Apr 2022 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-3342271 The complaint Mrs O complains about the way that BMW Financial Services (GB) Limited, trading as Mini Financial Services, has dealt with the partial early repayment that she made towards a hire purchase agreement under which a car had been supplied to her. Her husband is also i... (6 pages)View decision -
Decision Reference DRN-3379705
28 Apr 2022 Bamboo Limited UpheldConsumer CreditDRN-3379705 The complaint Miss B says Bamboo Limited lent irresponsibly to Miss B. What happened Miss B took out two instalment loans from Bamboo. A summary of her borrowing follows, loan 2 was used in part to settle loan 1. Loan taken out value, £ term in months monthly repayment, £ total... (4 pages)View decision -
Decision Reference DRN-3285727
28 Apr 2022 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3285727 The complaint Ms J complains that Tesco Personal Finance Plc removed her preferential interest rate and charged her interest when they shouldn’t have and recorded late payments when they shouldn’t have which affected her credit rating. What happened Ms J had a credit card with... (3 pages)View decision -
Decision Reference DRN-3418319
28 Apr 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3418319 The complaint G’s complaint, in summary, is that HSBC UK Bank Plc is unwilling to reimburse an unauthorised transaction that occurred in their business current account. G is also unhappy with the way HSBC dealt their claim. What happened The background to the complaint is known... (3 pages)View decision -
Decision Reference DRN-3421831
28 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3421831 The complaint Miss P complained that Everyday Lending Limited trading as Everyday Loans lent to her irresponsibly and provided lending that was unaffordable. What happened Miss P borrowed from Everyday Loans as follows: Loan Date taken Amount Term Monthly repayment Loan status ... (3 pages)View decision -
Decision Reference DRN-3454677
28 Apr 2022 Metro Bank PLC UpheldBanking and PaymentsDRN-3454677 The complaint Miss S has complained that Metro Bank PLC registered a marker against her at CIFAS, the national fraud database. What happened In December 2018, there was an attempt to pay around £1,100 into Miss S’s Metro account. The payment attempt had come from a victim of fr... (3 pages)View decision -
Decision Reference DRN-2562140
28 Apr 2022 N.I.I.B. Group Limited UpheldConsumer CreditDRN-2562140 The complaint Miss H is unhappy that a car supplied to her under a hire purchase agreement with N.I.I.B. Group Limited, trading as Northridge Finance, was of an unsatisfactory quality. Miss H is being represented in this complaint by Mrs H. However, for ease of reference, my de... (8 pages)View decision
