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-3194172
11 Feb 2022 S.D. Taylor Limited UpheldConsumer CreditDRN-3194172 The complaint Ms N says S.D. Taylor Limited trading as Loans at Home (LaH), irresponsibly lent to her. She says that she was in a ‘debt spiral’ and she couldn’t afford the loans. Ms N thinks LaH shouldn’t have lent to her. What happened This complaint is about five home collect... (3 pages)View decision -
Decision Reference DRN-3306209
11 Feb 2022 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3306209 The complaint Mr L complains that Moneybarn No. 1 Limited irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. Mr L is represented by a family member but for ease of reference I have referred to Mr L throughout this decision. What happened In Apri... (3 pages)View decision -
Decision Reference DRN-3309853
11 Feb 2022 TSB Bank plc UpheldBanking and PaymentsDRN-3309853 Complaint Mr R is unhappy with what TSB Bank plc (“TSB”) has agreed to do to put things right after he complained about his overdraft charges. Background One of our adjudicators looked at Mr R’s complaint and she thought that what TSB had agreed to do to put things right – redu... (2 pages)View decision -
Decision Reference DRN-3213782
11 Feb 2022 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3213782 The complaint Mr C and Mrs M are unhappy that a car supplied to them under a conditional sale agreement with Moneybarn No.1 Limited was of an unsatisfactory quality. What happened On 3 November 2020, Mr C and Mrs M were supplied with a used car through a conditional sale agreem... (4 pages)View decision -
Decision Reference DRN-3172942
11 Feb 2022 The Mortgage Lender Limited UpheldMortgagesDRN-3172942 The complaint Mrs S complains that The Mortgage Lender Limited (TML) unfairly recorded an entry about her on a fraud prevention database (CIFAS) in connection with a mortgage application. What happened In 2020, Mrs S applied for a mortgage, through a broker, with TML. She sent ... (2 pages)View decision -
Decision Reference DRN-3237976
11 Feb 2022 Great Lakes Insurance SE UpheldInsuranceDRN-3237976 The complaint Mrs K has complained about Great Lakes Insurance SE’s handling of a claim on her pet insurance policy. I’ve referred to Great Lakes throughout this decision even though when it provided its service it was operating under a trading name. What happened In October 20... (3 pages)View decision -
Decision Reference DRN-3249773
11 Feb 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3249773 The complaint Ms B has complained that HSBC UK Bank Plc (“HSBC”) acted unfairly by continuing to apply charges to her account when she was in financial difficulty. What happened Ms B complained to HSBC that the fees it applied to her account caused her financial difficulty. HSB... (3 pages)View decision -
Decision Reference DRN-3211065
11 Feb 2022 J D Williams & Company Limited UpheldConsumer CreditDRN-3211065 The complaint Mrs D says J D Williams & Company Limited (“J D Williams”), trading as Fashion World, irresponsibly lent to her. She has requested that interest and late payment charges she paid on the account from July 2017 be refunded. What happened This complaint is about ... (3 pages)View decision -
Decision Reference DRN-3304231
11 Feb 2022 Sabre Insurance Company Limited UpheldInsuranceDRN-3304231 The complaint Mr J is complaining Sabre Insurance Company Limited has charged him an additional premium after cancelling his car insurance policy. What happened In May 2019 Mr J took out a car insurance policy through a broker to insure him and his daughter. The policy was prov... (4 pages)View decision -
Decision Reference DRN-3307153
11 Feb 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3307153 The complaint Mr S says Madison CF UK Limited (trading as 118 118 Money) lent to him irresponsibly. What happened Mr S took out a 24-month instalment loan for £3,000 from 118 118 Money on 10 June 2020. The monthly repayment was £214.90 and the total repayable was £5,157.60. Mr ... (3 pages)View decision
