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-3353886
24 Mar 2022 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3353886 The complaint Mr B complains about the quality of a car he has been financing through an agreement with Moneybarn No. 1 Limited (“Moneybarn”) and about the redress they’ve offered to put things right. What happened The details of this complaint are well known to both parties, s... (2 pages)View decision -
Decision Reference DRN-3377974
24 Mar 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3377974 The complaint Mr and Mrs H are unhappy that HSBC UK Bank Plc (trading as “First Direct”) hasn’t fully reimbursed them after they fell victim to a scam What happened I issued a provisional decision in March 2022 to explain why I thought Mr and Mrs H’s complaint should be partial... (14 pages)View decision -
Decision Reference DRN-3388743
24 Mar 2022 TSB Bank plc UpheldConsumer CreditDRN-3388743 The complaint Mrs K is unhappy with the service that she received from TSB Bank plc surrounding her request for a payment holiday on her loan account, including that TSB ultimately defaulted her account for non-payment. What happened In March 2020, the day before the scheduled ... (6 pages)View decision -
Decision Reference DRN-3288120
24 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3288120 The complaint Ms W is complaining that AvantCredit of UK, LLC irresponsibly lent to her. 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 decis... (2 pages)View decision -
Decision Reference DRN-3267721
24 Mar 2022 Bank of Scotland Plc UpheldMortgagesDRN-3267721 The complaint Mr and Mrs C are unhappy with how long Bank of Scotland plc, trading as Halifax, took to consider and agree their request to extend their mortgage term and take a new fixed interest rate. What happened Mr and Mrs C have an interest only mortgage with Halifax that ... (8 pages)View decision -
Decision Reference DRN-3390741
24 Mar 2022 Bank of Scotland Plc UpheldConsumer CreditDRN-3390741 The complaint Mr H complains Bank of Scotland plc (BoS) failed to respond to his initial request for a payment deferral, later declined his subsequent request and then placed his loan in default. What happened Mr H took a loan through BoS in June 2019. He maintained his monthly... (3 pages)View decision -
Decision Reference DRN-3293286
24 Mar 2022 Marshmallow Financial Services Ltd UpheldInsuranceDRN-3293286 The complaint Mr M complains that he hasn’t received a refund of the initial payment he made to Marshmallow Financial Services Ltd for his car insurance policy, even though he cancelled the policy in November 2020. What happened Mr M had car insurance arranged through Marshmall... (3 pages)View decision -
Decision Reference DRN-3361126
24 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3361126 The complaint Mr V has complained that AvantCredit of UK, LLC was irresponsible in lending to him. What happened In 2015 AvantCredit provided Mr V with a loan of £2,900 repayable over 48 months with a monthly repayment of £144.14. He said the purpose of the loan was debt consol... (3 pages)View decision -
Decision Reference DRN-3392379
24 Mar 2022 Kent Savers Credit Union Limited UpheldConsumer CreditDRN-3392379 The complaint Mr H complains that Kent Savers Credit Union Limited (Kent) have unfairly registered a default against him. What happened Mr H had a loan with Kent, but he suffered financial difficulties, which resulted in him being unable to meet his contractual monthly payments... (5 pages)View decision -
Decision Reference DRN-3359534
24 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3359534 The complaint Mr C is complaining that AvantCredit of UK, LLC trading as AvantCredit irresponsibly lent to him. 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 t... (2 pages)View decision
