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 DRN3762887
25 Sep 2019 Moneybarn No. 1 Limited Not upheldBanking and creditMr P complains that he wasn’t made aware of the arrears on his account in a timely manner by Moneybarn No. 1 Limited and about other issues with the way that it’s dealt with his account.backgroundA used car was supplied to Mr P under a conditional sale agreement with Moneybarn that he sign... (2 pages)View decision -
Decision Reference DRN9699216
12 Dec 2014 MBNA Limited Not upheldBanking and creditMr G complains that MBNA Limited will not refund to him the money that he paid for a holiday club membership. His complaint is made against MBNA under section 75 of the Consumer Credit Act 1974. backgroundMr G paid £7,300 for a holiday club membership in 2009, £1,500 of which was paid u... (2 pages)View decision -
Decision Reference DRN3857710
15 Jul 2019 Tesco Personal Finance PLC Not upheldBanking and creditMr S complains that Tesco Personal Finance plc, trading as Tesco Bank, won’t refund to him the money that he’s claimed for repairs to a motorbike. His complaint is made against Tesco Bank under section 75 of the Consumer Credit Act 1974. backgroundMr S used his Tesco Bank credit card in No... (2 pages)View decision -
Decision Reference DRN5676917
6 Feb 2018 Santander Consumer (UK) Plc UpheldBanking and creditMiss A complains that Santander Consumer (UK) plc, trading as Santander Consumer Finance, didn’t change the date of her direct debit payments and that it’s given her incorrect information.backgroundMiss A used a fixed sum loan agreement with Santander Consumer Finance ... (2 pages)View decision -
Decision Reference DRN5079608
18 Dec 2014 Bank of Scotland Plc Not upheldBanking and creditMr C complains that Bank of Scotland plc, trading as Halifax, did not change his address when asked to do so and that he has therefore not received bank statements for his account. He says that he has incurred charges from HM Revenue and Customs because he has not been able to file his t... (2 pages)View decision -
Decision Reference DRN6739888
28 Jun 2013 Direct Home Shopping Brands Limited Not upheldBanking and creditMiss H complains that she has not had a satisfactory conclusion to her complaint to Direct Home Shopping Brands Limited (Kaleidoscope). She also complains that it used an account which she had closed when she made a purchase using an introductory offer.backgroundMiss H made an online pur... (2 pages)View decision -
Decision Reference DRN0256206
8 Jul 2015 Capital One (Europe) plc UpheldBanking and creditMr S complains that Capital One (Europe) plc will not refund to him the money that he paid for a boiler. His complaint is made against Capital One under section 75 of the Consumer Credit Act 1974. backgroundMr S used his Capital One credit card to pay £2,970 for a ... (2 pages)View decision -
Decision Reference DRN9634599
30 Jul 2013 Metropolitan International Schools Limited Not upheldBanking and creditMr W complains that a fixed sum loan agreement, that he used to finance a training course with Metropolitan International Schools Limited, trading as Train 4 Trade Skills, was mis-sold to him.backgroundMr W enrolled on a training course with Train 4 Trade Skills in November 2008 and he ... (2 pages)View decision -
Decision Reference DRN6044828
8 Jun 2015 Barclays Bank Plc Not upheldBanking and creditMs B complains that Barclays Bank PLC, trading as Barclaycard, will not refund to her the money that she paid for some software. Her complaint is made against Barclaycard under section 75 of the Consumer Credit Act 1974. backgroundMs B used her Barclaycard in August ... (2 pages)View decision -
Decision Reference DRN-5576684
1 Jul 2025 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-5576684 The complaint Mr P complains that American Express Services Europe Limited has shortened the period between the bill date and the direct debit collection date for his credit card account. What happened Mr P has a credit card account with American Express. He complained to Am... (3 pages)View decision