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-3371749
16 Mar 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3371749 The complaint A company, which I’ll refer to as “S”, complains about the way HSBC UK Bank Plc handled its application for a new account, which it needed in order to apply for a Bounce Back Loan. One of S’s directors, Mr H, brings the complaint on the company’s behalf. What happ... (3 pages)View decision -
Decision Reference DRN-3350516
16 Mar 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3350516 Complaint Miss H is unhappy with what Lloyds Bank PLC (“Lloyds”) has done to put things right in relation to her complaint about her overdraft. Miss H is being assisted in her complaint by her partner. So where I’ve referred to Miss H, insofar as any arguments made, I’m referri... (4 pages)View decision -
Decision Reference DRN-2938006
16 Mar 2022 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-2938006 The complaint Mr V is unhappy with how Creation Consumer Finance Ltd (Creation) handled his claim under Section 75 Consumer Credit Act 1974 (S75) - for a faulty sofa and the adverse information it recorded on his credit file. What happened Mr V purchased a sofa from a retailer ... (4 pages)View decision -
Decision Reference DRN-3233610
16 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3233610 The complaint Mr C complains through his representative that AvantCredit of UK, LLC lent him money on a high interest loan which he couldn’t afford to repay. What happened AvantCredit provided a loan to Mr C on 29 March 2016, for £19,800 payable over 60 months at the rate of £5... (3 pages)View decision -
Decision Reference DRN-3027416
16 Mar 2022 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-3027416 The complaint Mr Y complains about the quality of a car he acquired through a hire purchase agreement financed by Mercedes-Benz Financial Services UK Limited trading as Mercedes-Benz Finance (MBFS). What happened In September 2019 Mr Y acquired a new car through a hire purchas... (4 pages)View decision -
Decision Reference DRN-3354551
16 Mar 2022 Nationwide Building Society UpheldConsumer CreditDRN-3354551 The complaint Miss M is unhappy that Nationwide Building Society didn’t do enough to check that she could afford the repayments on a number of loans she took out with them. Miss M is represented, but for ease I will refer only to Miss M throughout. What happened Miss M has appl... (11 pages)View decision -
Decision Reference DRN-3355059
16 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3355059 Complaint Miss C has complained that AvantCredit of UK, LLC (“Avant Credit”) provided her with unaffordable loans. Background Avant Credit provided Miss C with a first loan for £1,000.00 in February 2015. This loan was due to be repaid in 18 monthly instalments of around £83 bu... (4 pages)View decision -
Decision Reference DRN-3354726
16 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3354726 Complaint Mr W has complained about a loan AvantCredit of UK, LLC (“Avant Credit”) provided to him. He says the loan was provided at a time when he was already struggling and placed him into further hardship. Background Avant Credit provided Mr W with a loan for £2,800.00 in Oc... (3 pages)View decision -
Decision Reference DRN-3357757
15 Mar 2022 Ikano Bank AB (publ) UpheldConsumer CreditDRN-3357757 The complaint Mrs C, represented by a claims management company (CMC), has complained that Ikano Bank AB (publ) rejected her claim against it under Section 75 of the Consumer Credit Act 1974. What happened Mrs C bought solar panels for her home in 2015. The purchase was funded ... (3 pages)View decision -
Decision Reference DRN-3372563
15 Mar 2022 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3372563 The complaint Mr A complains Tesco Personal Finance PLC (“Tesco Bank”) has declined a claim he brought under section 75 of the Consumer Credit Act 1974 (“CCA”). Mr A is represented by a claims management company (CMC). Background I issued a provisional decision on Mr A’s compla... (7 pages)View decision
