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 650 results
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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 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 DRN7869727
3 Mar 2015 TSB Bank plc Not upheldBanking and creditMr C complains that TSB Bank plc will not refund to him the money that he paid for a car. His complaint is made against TSB under section 75 of the Consumer Credit Act 1974. backgroundMr C bought a car for his company at an auction in January 2014. He paid for the deposit using his TSB ... (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 -
Decision Reference DRN9546824
1 Dec 2016 Shop Direct Finance Company Limited Not upheldBanking and creditMrs F complains that Shop Direct Finance Company Limited won’t replace, or pay for repairs to, her TV.backgroundMrs F bought a TV using finance supplied by Shop Direct in January 2014. The TV developed a fault in August 2015 which caused it to keep going onto the dem... (2 pages)View decision -
Decision Reference DRN2847948
22 Oct 2013 Barclays Bank Plc Not upheldBanking and creditMr B complains that he was given incorrect information by Barclays Bank PLC (trading as Barclays Direct) about closing his fixed rate savings account.our initial conclusionsThe adjudicator did not recommend that this complaint should be upheld. He concluded that Mr B had been told ... (2 pages)View decision -
Decision Reference DRN1876404
11 Mar 2015 National Westminster Bank Plc Not upheldBanking and creditMr H complains that National Westminster Bank Plc will not refund to him the money that he paid for a holiday. His complaint is made against NatWest under section 75 of the Consumer Credit Act 1974. backgroundMr H paid £2,459.05 to a travel agent using his NatWest credit card for a holi... (2 pages)View decision -
Decision Reference DRN7247812
7 Jan 2014 Nationwide Building Society Not upheldBanking and creditMr M complains that Nationwide Building Society will not refund to him the money that he paid for a computer using his credit card. His complaint is made against Nationwide under section 75 of the Consumer Credit Act 1974.backgroundMr M bought a computer online in January 2013 using his... (1 page)View decision -
Decision Reference DRN-2199952
11 Feb 2021 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-2199952 The complaint Miss C complains about the customer service that she received from Shop Direct Finance Company Limited, trading as very, relating to her order of a wardrobe. What happened The details of this complaint are well known to both parties and have been set out by the in... (2 pages)View decision -
Decision Reference DRN0270514
20 Jun 2016 Shop Direct Finance Company Limited UpheldBanking and creditMiss F complains that Shop Direct Finance Company Limited won’t refund the interest that it has applied to her account. She also complains about the customer service that she has received.backgroundMiss F has an account with Shop Direct that she uses to make purch... (2 pages)View decision