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 DRN-2198379
11 Jan 2021 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-2198379 The complaint Mrs H complains that a washing machine that she paid for using a credit agreement with Shop Direct Finance Company Limited, trading as “very”, wasn’t of satisfactory quality. What happened The details of this complaint are well known to both parties and have been ... (2 pages)View decision -
Decision Reference DRN3702737
23 Jan 2015 Capital One (Europe) plc Not upheldBanking and creditMr B complains that Capital One (Europe) plc will not refund to him the money that he paid for a timeshare. His complaint is made against Capital One under section 75 of the Consumer Credit Act 1974. Mr B is being helped with his complaint by a representative. backgroundMr B paid £2,395... (2 pages)View decision -
Decision Reference DRN2724531
15 May 2017 Nationwide Building Society Not upheldBanking and creditMr T complains that Nationwide Building Society won’t refund to him the money that he’s claimed for a car that was misrepresented to him. His complaint is made against Nationwide under section 75 of the Consumer Credit Act 1974. backgroundMr T used his Nationwide cred... (2 pages)View decision -
Decision Reference DRN7584568
15 Feb 2018 Clydesdale Financial Services Limited Not upheldBanking and creditMr M complains about the information that he was given by Clydesdale Financial Services Limited, trading as Barclays Partner Finance, when he voluntarily terminated his conditional sale agreement.backgroundA used car was supplied to Mr M under a conditional sale agreem... (2 pages)View decision -
Decision Reference DRN8397674
18 Apr 2016 Advantage Finance Ltd Not upheldBanking and creditMr P complains about the charges that Advantage Finance Limited applied to his account. He also complains that the charges weren’t made clear to him at the start of the agreement and that Advantage Finance Limited shouldn’t have used the emergency contact details.back... (2 pages)View decision -
Decision Reference DRN9894395
10 Apr 2013 Clydesdale Financial Services Limited Not upheldBanking and creditMs H complains that Barclays Partner Finance will not refund to her the amount that she paid for a driving instructor training course for her then husband. She financed the course using a fixed sum loan agreement with Barclays Partner Finance and her claim is made against it under sectio... (2 pages)View decision -
Decision Reference DRN6086356
22 Jan 2016 Tesco Personal Finance PLC Not upheldBanking and creditMs D complains about the charges that have been applied to her credit card account by Tesco Personal Finance plc, trading as Tesco Bank.backgroundMs D’s direct debit payment of £57 to her credit card account at the beginning of September 2015 had to be reversed. Sh... (2 pages)View decision -
Decision Reference DRN3216183
11 Oct 2016 Shop Direct Finance Company Limited Not upheldBanking and creditMr G complains about the way that Shop Direct Finance Company Limited has dealt with his accounts.backgroundMr G opened an account with Shop Direct in 1996 with a credit limit of £450 – which was increased over time to £10,000. He opened two other accounts with Shop ... (2 pages)View decision -
Decision Reference DRN-5044229
7 Oct 2024 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-5044229 The complaint Mrs H complains that Tesco Personal Finance plc, trading as Tesco Bank, has recorded a late payment on her credit file and that it gave her incorrect information. What happened Mrs H took a loan of £35,000 from Tesco Bank in March 2023. She agreed to repay the ... (2 pages)View decision -
Decision Reference DRN4739157
30 Jan 2014 National Westminster Bank Plc Not upheldBanking and creditMr R, the executor of the late Mrs R’s estate, complains that National Westminster Bank Plc has provided statements for the late Mrs R’s account to a third party and that it told the third party that the closing cheque for the account was sent to Mr R.backgroundMr R complained to NatW... (1 page)View decision
