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 4777 results
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Decision Reference DRN3420336
6 Feb 2018 Volkswagen Financial Services (UK) Limited Not upheldBanking and creditMr R complains on behalf of Mr C that Volkswagen Financial Services (UK) Limited (Volkswagen) unlawfully took his car along with his personal number plate. And led him to believe the sale of his car would pay off any outstanding amount from his Hire Purchase Agreement... (3 pages)View decision -
Decision Reference DRN7011465
27 Mar 2018 Acromas Insurance Company Limited UpheldInsurance (excluding PPI)Mrs C complains about how Acromas Insurance Company Limited dealt with two claims under her home emergency insurance policy. My references to Acromas include its agents.background In early May 2017 Mrs C contacted Acromas as her door lock had broken. Its engineers twice ... (3 pages)View decision -
Decision Reference DRN9210897
19 Dec 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMiss W complains that The Royal Bank of Scotland Plc didn’t clear a very important cheque, and it didn’t give her any warning that it wasn’t going to clear the cheque.backgroundMiss W said that at the beginning of September, she wrote a couple of cheques. One of t... (3 pages)View decision -
Decision Reference DRN-4716788
29 Nov 2024 TRANSUNION INTERNATIONAL UK LIMITED UpheldConsumer CreditDRN-4716788 The complaint Mr O complains that TransUnion International UK Limited (TransUnion) are reporting adverse information on his credit file that he doesn’t recognise. What happened Mr O contacted TransUnion in December 2023, to raise a complaint about Insolvency and County Cour... (3 pages)View decision -
Decision Reference DRN-4877059
29 Aug 2024 First Central Underwriting Limited Not upheldInsuranceDRN-4877059 The complaint Mr S complains about the amount First Central Underwriting Limited offered him for his car when it was written off following an accident. What happened In November 2023 Mr S’s car was damaged in an accident so he made a claim under the insurance policy he held ... (3 pages)View decision -
Decision Reference DRN8684565
6 Sep 2016 Bank of Scotland Plc Not upheldBanking and creditMr O has complained that Bank of Scotland plc (trading as “Halifax”) mis-sold an Ultimate Reward Current Account (“URCA”) packaged bank account to him in 2007. Mr O has used a Claims Management Company (“CMC”) to make his complaint.backgroundOne of our adjudicators has ... (3 pages)View decision -
Decision Reference DRN7248429
29 Jun 2015 Santander UK Plc Not upheldBanking and creditMr M, as personal representative for the late Mr D, complains that Santander UK Plc wrongly gave Mr D a mortgage and used a false valuation figure to justify the amount lent. At the time the mortgage was provided by Abbey National plc (Abbey), now part of the San... (3 pages)View decision -
Decision Reference DRN-4060961
5 Jun 2023 Watford Insurance Company Europe Limited Not upheldInsuranceDRN-4060961 The complaint Mr M complains about the amount he received for his car from Watford Insurance Company Europe Limited when it was written off following an accident. What happened Mr M had insurance for his car with Watford. In June 2022 he was involved in an accident and made a c... (3 pages)View decision -
Decision Reference DRN-3694608
18 Nov 2022 PSA Finance UK Limited Not upheldConsumer CreditDRN-3694608 The complaint Ms N complains about the end of contract charges in relation to a car that was supplied through a hire purchase agreement with PSA Finance UK Limited (PSA). Ms N is being represented on this complaint, but to keep things simple I’ll refer to Ms N throughout my dec... (3 pages)View decision -
Decision Reference DRN-4255948
31 Oct 2023 Tesco Underwriting Limited Not upheldInsuranceDRN-4255948 The complaint Mrs L complained about Tesco Underwriting Limited’s service when she claimed under her motor insurance policy. What happened Mrs L’s car was damaged when another car crashed into it and the other driver( the third party) failed to stop. Tesco declared that her car... (3 pages)View decision