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-3233584
15 Mar 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3233584 The complaint Mr B complains that Bank of Scotland Plc, trading as Halifax, is holding him liable to repay two credit card debts that he says he never applied for. Background Mr B has explained that, after splitting from his wife, he had a meeting with his bank who provide his ... (3 pages)View decision -
Decision Reference DRN-3267588
15 Mar 2022 Close Brothers Limited UpheldConsumer CreditDRN-3267588 The complaint Miss H complains that a car she’d acquired via a conditional sale agreement with Close Brothers Limited wasn’t of satisfactory quality. Miss H wants to now reject the car and cancel the agreement. What happened In August 2020 Miss H entered into a five-year condit... (4 pages)View decision -
Decision Reference DRN-3323980
15 Mar 2022 Santander UK Plc UpheldConsumer CreditDRN-3323980 The complaint Miss S has complained that Santander UK Plc (Santander) acted irresponsibly when it provided her with three loans between 2012-2014. Background Miss S applied for, and was granted, threes loans from Santander in 2012, 2013 and 2014. She has said that all three loa... (3 pages)View decision -
Decision Reference DRN-3210529
15 Mar 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3210529 The complaint Mrs H complains that the loan she had from Everyday Lending Limited (trading as Everyday Loans) was unaffordable to her. What happened Mrs H took out a loan with Everyday Loans on 29 January 2020. She borrowed £2,600 and was due to repay £212.29 monthly for 30 mon... (4 pages)View decision -
Decision Reference DRN-3260087
15 Mar 2022 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-3260087 The complaint Mr A complains that a car he took on hire purchase from Mercedes-Benz Financial Services UK Limited (“MBFS”) was not of satisfactory quality. He complains too that MBFS reported adverse credit information on his credit file. What happened In November 2016 Mr A ent... (3 pages)View decision -
Decision Reference DRN-3295944
15 Mar 2022 Metro Bank PLC UpheldBanking and PaymentsDRN-3295944 The complaint Ms B complains that Metro Bank PLC hasn’t refunded her after she fell victim to a scam while trying to buy a second-hand horsebox. What happened I’ve discussed this complaint and the outcome in depth with both parties. As such there’s no need for me to go into ext... (3 pages)View decision -
Decision Reference DRN-3330879
15 Mar 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3330879 The complaint Mrs S is a sole trader. She complains that Santander UK Plc unfairly declined her application for a Bounce Back Loan. What happened Mrs S had an existing personal account with Santander which she also used for her business. In May 2020, Mrs S applied to the bank f... (4 pages)View decision -
Decision Reference DRN-3324296
15 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3324296 The complaint Mr B says AvantCredit of UK, LLC (Avant) irresponsibly lent to him. He says that he had a large number of other credit commitments at the time and so he couldn’t afford the repayments to the Avant loan as well. What happened This complaint is about one high cost l... (3 pages)View decision -
Decision Reference DRN-3371614
15 Mar 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3371614 The complaint Mr H complains Santander UK Plc won’t refund money he paid to someone who he employed to carry out landscaping work. What happened I issued my provisional decision on this complaint on 9 December 2021. I wanted to give both parties a chance to submit any further i... (7 pages)View decision -
Decision Reference DRN-3373578
15 Mar 2022 Fairmead Insurance Limited UpheldInsuranceDRN-3373578 The complaint Mr W is unhappy Fairmead Insurance Limited declined the claim for the loss of Mrs W’s watch. What happened Mr W held the home contents insurance policy for the relevant time in his name. As part of the cover there were a number of high value items of jewellery spe... (6 pages)View decision
