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 4310 results
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Decision Reference DRN-2095033
17 Nov 2020 Black Horse Limited Not upheldConsumer CreditDRN-2095033 The complaint Mr L complains that a car he took under a finance agreement from Black Horse Limited didn’t meet the specifications he’d been promised. What happened Mr L took a used car under a hire purchase agreement with Black Horse. There were however problems with it, and so... (2 pages)View decision -
Decision Reference DRN-3944493
10 Mar 2023 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3944493 The complaint Miss S complains about the quality of a car she was financing through an agreement with Moneybarn No. 1 Limited (who I’ll call “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... (2 pages)View decision -
Decision Reference DRN4612077
11 Sep 2017 Hyundai Capital UK Limited Not upheldBanking and creditMiss R complains that she was told that insurance cover and breakdown cover were misrepresented to her when she entered into a conditional sale agreement with Hyundai Capital UK Limited, trading as Hyundai Finance.backgroundA new car was supplied to Miss R under a condi... (2 pages)View decision -
Decision Reference DRN5441541
20 Feb 2014 Barclays Bank Plc Not upheldBanking and creditMr F complains that Barclays Bank PLC failed to add his name to a commercial mortgage or give its consent to him being added to those registered as owning the underlying property. He wants reimbursement of the amount he paid for a 50% share in the property, plus interest, and the paymen... (2 pages)View decision -
Decision Reference DRN7131551
11 Mar 2018 Legal & General Insurance Limited Not upheldInsurance (excluding PPI)Ms K complains about Legal & General Insurance Limited (L & G). backgroundI issued a Provisional Decision on this case as follows – ‘Ms K purchased a property for investment purposes in late 2016. She took a policy with L & G to cover this. A claim was ... (2 pages)View decision -
Decision Reference DRN6667315
30 Mar 2019 Alliance Trust Savings Limited UpheldInvestment and pensionsMr S complains that Alliance Trust Savings Limited delayed the transfer of his Self-Invested Personal Pension (SIPP).backgroundOn 4 July 2017 Mr S completed the paperwork to open an ATS SIPP and for his existing pension to be transferred. The transfer was finally compl... (2 pages)View decision -
Decision Reference DRN-2377003
12 Mar 2021 Oodle Financial Services Limited UpheldConsumer CreditDRN-2377003 The complaint Mr A complains that a car that was supplied to him under a hire purchase agreement with Oodle Financial Services Limited, trading as Oodle Car Services, was mis-sold to him. What happened A used car was supplied to Mr A under a hire purchase agreement with Oodle C... (3 pages)View decision -
Decision Reference DRN7190033
15 Nov 2019 Santander UK Plc Not upheldBanking and creditMrs B complains about the way Santander UK Plc dealt with the registration of a Power of Attorney.backgroundMrs B appointed her daughter as her attorney under a Power of Attorney. She wanted her daughter to be able to look after her finances if, in the future, she became unable to carry on... (2 pages)View decision -
Decision Reference DRN-3997438
2 Mar 2023 TSB Bank plc Not upheldBanking and PaymentsDRN-3997438 The complaint Ms A complains that TSB Bank plc unfairly restricted and closed her accounts. What happened Ms A is the owner and director of a company, which I’ll refer to as “M”. Both Ms A and M banked with TSB. Ms A held a current account and savings account with the bank. M o... (3 pages)View decision -
Decision Reference DRN7163941
20 Nov 2015 Markerstudy Insurance Company Limited UpheldInsurance (excluding PPI)Mrs O has complained that Markerstudy Insurance Company Limited unfairly cancelled her policy and refused to deal with a claim she made under her motor policy. Mrs O made a claim to Markerstudy following the theft of her car.backgroundMrs O bought a short term moto... (2 pages)View decision
