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 652 results
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Decision Reference DRN7700032
12 Jun 2018 Shop Direct Finance Company Limited UpheldBanking and creditMr W complains about the adverse information that Shop Direct Finance Company Limited has recorded on his credit file.backgroundMr W used his account with Shop Direct to order a fridge-freezer in June 2017. He cancelled the order and his credit card provider made a c... (2 pages)View decision -
Decision Reference DRN-1327938
26 Jun 2020 Volkswagen Financial Services (UK) Limited Not upheldConsumer CreditDRN-1327938The complaintMrs O complains that the direct debit for her monthly payment under a hire purchase agreement wasn't collected by Volkswagen Financial Services (UK) Limited, trading as Seat Financial Services, and about the service that she's received from it. What happen... (2 pages)View decision -
Decision Reference DRN2140728
4 Jul 2013 LeasePlan UK Limited Not upheldBanking and creditMr Z complains that LeasePlan UK Limited (trading as Network) has applied a £1 VAT charge to the £5 increase in the road fund licence that he is required to pay under the terms of his hire agreement. He also complains that Network has collected the charge by direct debit when it had no a... (2 pages)View decision -
Decision Reference DRN1233963
19 Oct 2018 Shop Direct Finance Company Limited UpheldBanking and creditMr H complains about the adverse information that Shop Direct Finance Company Limited has recorded on his credit file and about the late payment fees that have been charged to his account.backgroundMr H has had an account with Shop Direct since 2004. It sent an acco... (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 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 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 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-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 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