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 601 results
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Decision Reference DRN6396122
30 Nov 2016 Creation Consumer Finance Ltd UpheldBanking and creditMrs B complains about the adverse information that Creation Consumer Finance Limited has recorded on her credit file.backgroundMrs B entered into a fixed sum loan agreement with Creation Consumer Finance in December 2015 to finance her purchase of some furniture. She c... (2 pages)View decision -
Decision Reference DRN4973243
27 Aug 2013 Shop Direct Finance Company Limited Not upheldBanking and creditMr B complains about the charges that Shop Direct Finance Company Limited, trading as Littlewoods, has applied to his account and about the default that it has registered on his credit file.backgroundMr B opened a Shop Direct account in December 2010. His first payment was due in Janu... (2 pages)View decision -
Decision Reference DRN0774547
1 Aug 2013 Clydesdale Financial Services Limited Not upheldBanking and creditMs M complains that Clydesdale Financial Services Limited, trading as Barclays Partner Finance, will not cancel the credit agreement that she used to pay for a training course for her partner. backgroundIn January 2010 Ms M entered into a fixed sum loan agreement with Barclays Partner... (2 pages)View decision -
Decision Reference DRN6263633
6 May 2020 N.I.I.B. Group Limited Not upheldBanking and creditMrs G complains about the information relating to her hire purchase agreement that N.I.I.B. Group Limited, trading as Northridge Finance, has recorded on her credit file. Her husband is also involved in her complaint.The details of this complaint are well known to both parties and have bee... (2 pages)View decision -
Decision Reference DRN4120521
5 Jun 2013 MBNA Limited Not upheldBanking and creditMr K complains that MBNA Bank Europe Limited will not refund to him the money that he paid to a supplier for building materials. His claim is made against MBNA under section 75 of the Consumer Credit Act 1974.backgroundMr K went to the supplier with his builder to buy some building ma... (2 pages)View decision -
Decision Reference DRN3072994
24 Mar 2016 Shop Direct Finance Company Limited Not upheldBanking and creditMrs H complains about a repayment plan with Shop Direct Finance Company Limited. She complains that it is unfair that Shop Direct is asking for the arrears to be repaid when her repayment plan ended.backgroundMrs H has an account with Shop Direct. She wrote to Shop... (2 pages)View decision -
Decision Reference DRN6562032
14 Feb 2019 Shop Direct Finance Company Limited UpheldBanking and creditMs E complains about the interest and charges that Shop Direct Finance Company Limited has applied to her account and about the default that it’s recorded on her account.backgroundMs E opened a credit account with Shop Direct in January 2013. Her last payment to the... (2 pages)View decision -
Decision Reference DRN4973472
6 Nov 2013 HSBC Bank plc Not upheldBanking and creditMiss C complains that HSBC Bank plc (trading as first direct) will not give her an ongoing overdraft facility. our initial conclusionsThe adjudicator did not recommend that this complaint should be upheld. He concluded that first direct was entitled to make a commercial decision as... (2 pages)View decision -
Decision Reference DRN1240535
10 Mar 2017 Mercedes-Benz Retail Group UK Limited Not upheldBanking and creditMiss A complains that Mercedes-Benz Retail Group UK Limited didn’t give her correct direct debit details to the credit provider under her hire purchase agreement so her direct debits weren’t paid.backgroundA car was supplied to Miss A under a hire purchase agreement... (2 pages)View decision -
Decision Reference DRN-1738727
18 Aug 2020 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-1738727The complaintMrs C complains about the way that Shop Direct Finance Company Limited has dealt with her account. What happenedThe details of this complaint are well known to both parties and have been set out by the investigator - so I won’t repeat them again here. Instead, I’ll ... (2 pages)View decision
