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 119592 results
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Decision Reference DRN-3301474
2 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3301474 The complaint Mr B complains that AvantCredit of UK, LLC provided him with loans that he was unable to afford to repay What happened AvantCredit provided Mr B with the following loans (rounded figures): Date taken out Amount £ Term Monthly repayment Amount repayable Date repaid... (3 pages)View decision -
Decision Reference DRN-3306644
2 Mar 2022 Indigo Michael Limited UpheldConsumer CreditDRN-3306644 The complaint Ms Y (through a representative) has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) didn’t complete enough affordability checks before approving her Safety Net facility. What happened Ms Y approached SNC for a Safety Net facility in Jan... (5 pages)View decision -
Decision Reference DRN-3340419
2 Mar 2022 Lendable Ltd UpheldConsumer CreditDRN-3340419 The complaint Mr W complained that Lendable Ltd lent to him irresponsibly and provided him with an unaffordable loan. What happened Lendable provided a loan to Mr W as follows: Date taken Loan amount Term Typical monthly repayment Total amount payable Loan status 12/08/2018 £3,... (4 pages)View decision -
Decision Reference DRN-3296291
2 Mar 2022 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-3296291 The complaint Miss H complains that Sainsbury’s Bank Plc unfairly applied a fee for a balance transfer on her credit card account. What happened In March 2021, Miss H took out a credit card with Sainsbury’s Bank which was advertised as being 0% on balance transfers for 18 month... (3 pages)View decision -
Decision Reference DRN-3310579
2 Mar 2022 Advantage Insurance Company Limited UpheldInsuranceDRN-3310579 The complaint Mr M complains Advantage Insurance Company Limited’s unfairly seeking reimbursement of its costs from him for a third-party motor claim. What happened In June 2020 Advantage told Mr M a third-party driver’s insurer had made a claim against him. He denied being inv... (3 pages)View decision -
Decision Reference DRN-3293637
2 Mar 2022 Adrian Flux Insurance Services Group UpheldInsuranceDRN-3293637 The complaint Mr B is unhappy that Adrian Flux Insurance Services Group downgraded his motor insurance cover on three separate occasions. What happened On 18 December 2018, Mr B took out a motor insurance policy with Adrian Flux. As part of this policy, Mr B was required to hav... (3 pages)View decision -
Decision Reference DRN-3339840
2 Mar 2022 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3339840 The complaint Mrs and Mr P have complained that National Westminster Bank Plc (NatWest) continued charging them excessive amounts for their overdrafts when they were in financial difficulty. What happened Mrs and Mr P complained to NatWest after Mrs P became redundant in July 2... (2 pages)View decision -
Decision Reference DRN-3266104
2 Mar 2022 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-3266104 The complaint Mrs H complains about the quality of a car she has been financing through an agreement with BMW Financial Services (GB) Limited, trading as Alphera Financial Services (“AFS”). What happened The details of this complaint are well known to both parties, so I won’t r... (4 pages)View decision -
Decision Reference DRN-3344430
2 Mar 2022 Santander UK Plc UpheldMortgagesDRN-3344430 The complaint Mr and Mrs H complain that Santander UK Plc didn’t transfer funds for the purchase of their new home, on the intended day of completion. They say this caused them extra costs, distress and inconvenience. What happened Mr and Mrs H were moving to a new home. Their ... (2 pages)View decision -
Decision Reference DRN-3294508
2 Mar 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3294508 Complaint Mr S has complained that Loans 2 Go Limited (“L2G”) provided him with unaffordable loans. He says proportionate checks would have shown L2G he’d be unable to repay these loans. Background L2G provided Mr S with two loans for £250 and £300 in May 2020 and August 2020. ... (4 pages)View decision
