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 634 results
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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 DRN1790157
30 Sep 2014 Legal & General Assurance Society Limited Not upheldInvestment and pensionsMr and Mrs B complain that a life assurance policy was mis-sold to them by Legal & General Assurance Society Limited.backgroundMr and Mrs B took out a joint mortgage with Legal & General in 1987 (at that time they were not married). It was an interest only mortgage and Mr and... (2 pages)View decision -
Decision Reference DRN-2494046
26 Apr 2021 Shawbrook Bank Limited Not upheldConsumer CreditDRN-2494046 The complaint Miss C complains about the interest that she’s being charged under a fixed sum loan agreement with Shawbrook Bank Limited and about the service that she’s received. She’s being helped with her complaint by her representative. What happened Miss C entered into a fi... (3 pages)View decision -
Decision Reference DRN3269160
14 Aug 2018 BMW Financial Services (GB) Limited Not upheldBanking and creditMr S complains about the default that BMW Financial Services (GB) Limited has recorded on his credit file. He’s being helped with his complaint by his wife. backgroundA new car was supplied to Mr S under a hire purchase agreement with BMW Financial Services that he s... (3 pages)View decision -
Decision Reference DRN4849925
30 Jan 2018 3J Finance Limited Not upheldBanking and creditMr A complains that a fixed sum loan agreement was mis-sold to him by 3J Finance Limited. He’s being helped with his complaint by his wife. backgroundMr A used a fixed sum loan agreement with 3J Finance that he signed in December 2016 to pay for English language traini... (2 pages)View decision -
Decision Reference DRN2536918
27 May 2016 Nationwide Building Society Not upheldBanking and creditMiss W complains that Nationwide Building Society won’t refund to her the money that she paid for a modelling photo shoot. Her complaint is made against Nationwide under section 75 of the Consumer Credit Act 1974. backgroundMiss W received an e-mail from a modelling ag... (2 pages)View decision -
Decision Reference DRN3863307
30 Nov 2015 NewDay Ltd Not upheldBanking and creditMr Z complains that NewDay Limited blocked his credit card and didn’t provide him with an acceptable explanation.backgroundMr Z has a credit card account with NewDay. It was blocked in July 2015 because NewDay wanted to review the account because of concerns about p... (2 pages)View decision -
Decision Reference DRN7348149
19 Jun 2013 Lloyds TSB Bank Plc Not upheldBanking and creditK820x complaintMr B complains that Lloyds TSB Bank plc will not refund to him the deposit that he paid, using his credit card, for a made to measure bed for his wife. His claim is made against Lloyds TSB under section 75 of the Consumer Credit Act 1974.our initial conclusionsThe adjudi... (2 pages)View decision -
Decision Reference DRN8239543
24 Aug 2016 Clydesdale Financial Services Limited Not upheldBanking and creditMiss T complains that a car that was supplied to her under a conditional sale agreement with Clydesdale Financial Services Limited, trading as Barclays Partner Finance, wasn’t of satisfactory quality.backgroundA used car was supplied to Miss T under a conditional sale... (2 pages)View decision -
Decision Reference DRN-5208452
8 Jan 2025 N.I.I.B. Group Limited Not upheldConsumer CreditDRN-5208452 The complaint Mr L complains that N.I.I.B. Group Limited, trading as Northridge Finance, has reported a late payment to the credit reference agencies. What happened A used car was supplied to Mr L under a hire purchase agreement with Northridge Finance that he electronically... (2 pages)View decision
