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 120469 results
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Decision Reference DRN-3449484
26 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3449484 The complaint Mr T complains that NewDay Ltd have irresponsibly lent to him. What happened Mr T was approved for two NewDay credit cards which I will refer to as A and B. NewDay increased the credit limits on both cards, which I have detailed below. Card A – approved April 2015... (5 pages)View decision -
Decision Reference DRN-3026019
26 Apr 2022 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-3026019 The complaint Mr A complains that Clydesdale Bank Plc (trading as Yorkshire Bank) unfairly declined his claim under section 75 of the Consumer Credit Act 1974 (“CCA”) relating to a holiday product he purchased in 2016. What happened In 2016, a Spanish company (“Company A”) sold... (6 pages)View decision -
Decision Reference DRN-3448862
26 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3448862 The complaint Mr W complains that Everyday Lending Limited trading as Everyday Loans lent him money on high interest loans he was unable to afford to repay. What happened Mr W was provided with the following loans by Everyday: Date Amount Term Monthly payment* Date repaid Loan ... (4 pages)View decision -
Decision Reference DRN-3404640
26 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3404640 The complaint Mrs M and Mr M (Mr M is represented), complain that Everyday Lending Limited, trading as Everyday Loans, lent to them irresponsibly. For ease I will refer to the two complainants as ‘Mr and Mrs M’. What happened Using information gathered from Everyday Lending’s r... (4 pages)View decision -
Decision Reference DRN-3299957
26 Apr 2022 PSA Finance UK Limited UpheldConsumer CreditDRN-3299957 The complaint Ms J complains that PSA Finance UK Limited irresponsibly granted her a hire purchase agreement she couldn’t afford to repay. What happened In November 2018, Ms J acquired a used car financed by a hire purchase agreement from PSA Finance. Ms J also entered into an ... (3 pages)View decision -
Decision Reference DRN-3207428
26 Apr 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3207428 The complaint Mr and Mrs L complain that Santander UK Plc unfairly declined their applications for a Bounce Back Loan. What happened Mr and Mrs L held a business account with Santander and decided to apply for a Bounce Back Loan (BBL) with the bank in July 2020. The bank said i... (3 pages)View decision -
Decision Reference DRN-3434563
26 Apr 2022 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-3434563 The complaint Mrs H complains Royal & Sun Alliance Insurance Limited (RSA) unfairly declined a claim she made on her home insurance policy following damage caused by a storm. What happened In late 2021, Mrs H made a claim under her home insurance policy for storm damage to ... (2 pages)View decision -
Decision Reference DRN-3448656
26 Apr 2022 Aviva Life & Pensions UK Limited UpheldPensions and AnnuitiesDRN-3448656 The complaint Mr N complains that Aviva Life & Pensions UK Limited (Aviva) caused delays to the transfer of his pension policy to his Self-Invested Personal Pension (SIPP) with another provider. He complains that in calculating the financial loss they have caused him Aviva ... (10 pages)View decision -
Decision Reference DRN-3325384
26 Apr 2022 ITI Capital Limited UpheldInvestmentsDRN-3325384 The complaint Ms T complains about difficulties she experienced when her account was moved to ITI Capital Limited. She complains that it took too long to transfer some of her holdings to another firm and that it took too long for her to withdraw the cash balances she had. She a... (3 pages)View decision -
Decision Reference DRN-3403554
26 Apr 2022 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3403554 The complaint Mr M complains about the quality of a car he has been financing through an agreement with Moneybarn No. 1 Limited (“Moneybarn”). What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll focus on gi... (3 pages)View decision
