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 120436 results
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Decision Reference DRN-3470920
23 May 2022 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3470920 The complaint Mr O complains that Moneybarn No. 1 Limited irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In September 2015, Mr O acquired a used car financed by a conditional sale agreement from Moneybarn. Mr O paid a deposit o... (3 pages)View decision -
Decision Reference DRN-3481595
23 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3481595 The complaint Miss M complained that Everyday Lending Limited (trading as Trusttwo) lent to her irresponsibly and provided her with a loan that was unaffordable. What happened Trusttwo provided a loan to Miss M as follows: Date taken Amount Term Monthly repayment Total amount r... (4 pages)View decision -
Decision Reference DRN-3284974
23 May 2022 PCF Bank Limited UpheldConsumer CreditDRN-3284974 The complaint Mr G, who is represented by a firm of solicitors, complains that PCF Bank Limited rejected his claim under s 75a Consumer Credit Act 1974 in respect of a motorcycle which wasn’t supplied. What happened I have read the lengthy exchange of correspondence by bother p... (4 pages)View decision -
Decision Reference DRN-3493330
23 May 2022 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-3493330 The complaint Mr M complains Clydesdale Bank Plc trading as Virgin Money didn’t treat him fairly when he had difficulties making repayments to his credit card account. What happened The investigator set out the background to this complaint in detail, so I won’t repeat it again ... (3 pages)View decision -
Decision Reference DRN-3042927
23 May 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3042927 The complaint Mr S complains that Barclays Bank UK PLC, trading as Barclaycard, rejected his claim against it under section 75 of the Consumer Credit Act 1974 (“the Act”) in relation to his purchase of a solar panel hot water system. Mr S is represented by a claims management c... (4 pages)View decision -
Decision Reference DRN-3493029
23 May 2022 Bamboo Limited UpheldConsumer CreditDRN-3493029 The complaint Miss G is unhappy about the way Bamboo Limited has treated her while she’s been experiencing financial difficulties. What happened In July 2018, Miss G took out a £4,000 loan with Bamboo. The loan was repayable at £226.90 over 36 months. But Miss G became unwell a... (4 pages)View decision -
Decision Reference DRN-3346408
23 May 2022 Astrenska Insurance Limited UpheldInsuranceDRN-3346408 The complaint Mr J and Miss F are unhappy that Astrenska Insurance Limited declined a claim they made under their travel insurance policy. What happened In early 2020, Mr J and Miss F booked to on a holiday abroad, with members of their family. The trip was due to take place in... (4 pages)View decision -
Decision Reference DRN-3387966
23 May 2022 Lloyds Bank General Insurance Limited UpheldInsuranceDRN-3387966 The complaint Mrs H is unhappy with the way Lloyds Bank General Insurance Limited (LBG) handled her home insurance claim following fire damage to her roof. What happened Mrs H’s roof was damaged by fire which spread from her neighbour’s house. She claimed under her buildings in... (4 pages)View decision -
Decision Reference DRN-3398887
23 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3398887 The complaint Miss H complains Everyday Lending Limited irresponsibly lent to her when she couldn’t afford the loan(s). What happened In February 2015, Miss H took out a loan with Everyday for £5,195.99 payable over 36 months with a monthly repayment of £276.43. Miss H said the... (4 pages)View decision -
Decision Reference DRN-3350335
23 May 2022 Allianz Insurance Plc UpheldInsuranceDRN-3350335 The complaint Mrs B and Mr B complain about Allianz Insurance Plc’s (“Allianz”) handling of their claim under their car insurance. What happened Mrs B and Mr B notified Allianz of a claim following an accident. They say they sent photos of the damage and Allianz then approved t... (2 pages)View decision
