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 121877 results
-
Decision Reference DRN-3287109
16 Jun 2022 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-3287109 The complaint Mr Y complaints about the quality of a car he acquired through a hire agreement financed by Hitachi Capital (UK) Plc (Hitachi). What happened In September 2020 Mr Y acquired a new car through a hire purchase agreement. In October 2020 Mr Y reported issues with a n... (4 pages)View decision -
Decision Reference DRN-3326322
16 Jun 2022 Tesco Personal Finance PLC UpheldConsumer CreditDRN-3326322 The complaint Mrs L complains that Tesco Personal Finance PLC trading as Tesco Bank (“Tesco”) lent irresponsibly when they approved her loan. What happened In May 2015, Mrs L applied for a loan of £18,500 over a term of four years with Tesco. The loan was approved and included ... (3 pages)View decision -
Decision Reference DRN-3544375
16 Jun 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3544375 The complaint A company which I’ll refer to as T, complains that Barclays Bank UK Plc unfairly declined its current account application which prevented it applying for a Bounce Back Loan (BBL). The complaint has been brought to the service by T’s director, Mr C. What happened I... (4 pages)View decision -
Decision Reference DRN-3544497
16 Jun 2022 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-3544497 The complaint Mrs M complains that Shop Direct Finance Company Limited (Shop Direct) mishandled her requests for payment holidays. What happened Mrs M had a Buy Now Pay Later (BNPL) account with Shop Direct. In October 2020, the limit was £6,700 and the balance was £5,712. On 3... (4 pages)View decision -
Decision Reference DRN-3495888
16 Jun 2022 AXA Insurance UK Plc UpheldInsuranceDRN-3495888 The complaint Mr and Mrs C’s complaint is about AXA Insurance UK Plc’s decision to turn down a claim made under their home insurance policy. All references to AXA include its appointed agents. What happened The circumstances of this complaint are well known to both parties and ... (2 pages)View decision -
Decision Reference DRN-3489914
16 Jun 2022 Shawbrook Bank Limited UpheldConsumer CreditDRN-3489914 The complaint Mr T has complained that he was not happy with Shawbrook Bank Limited‘s offer of settlement for his claim against it under Section 75 of the Consumer Credit Act 1974. What happened Mr T bought solar panels for his home in 2015. The purchase was funded by a loan fr... (3 pages)View decision -
Decision Reference DRN-3545489
16 Jun 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3545489 The complaint Mrs H and Mr H complain that Santander UK Plc blocked their account, as a result he was unable to pay his direct debits. He would like compensation for the losses he has suffered. Mr and Mrs H are represented by Mr H. What happened Mrs and Mr H had an account with... (5 pages)View decision -
Decision Reference DRN-3544000
16 Jun 2022 St. James's Place Wealth Management Plc UpheldPensions and AnnuitiesDRN-3544000 The complaint Mrs B complains that St James’s Place Wealth Management Plc (SJP) allowed a transfer of her personal pension with Guaranteed Annuity Rates (GAR) to an SJP pension. She says she lost valuable guarantees and has a lower pension as a result. What happened In July 200... (7 pages)View decision -
Decision Reference DRN-3546854
16 Jun 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3546854 The complaint Mrs R complains that Lloyds Bank PLC (Lloyds) didn’t protect her from falling victim to a scam and says the level of service she received from them was poor. What happened In May 2021, Mrs R fell victim to a scam whereby she received a text message saying she had ... (4 pages)View decision -
Decision Reference DRN-3531575
16 Jun 2022 AXA Insurance UK Plc UpheldInsuranceDRN-3531575 The complaint Mrs D and Mr D complain that AXA Insurance UK Plc (AXA) has unfairly declined a claim on their contents policy following vermin damage. They want the claim paid and compensation for the delay and inconvenience. What happened Mrs D and Mr D say they hadn’t noticed ... (4 pages)View decision
