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
-
Decision Reference DRN8682389
22 Feb 2017 Bank of Ireland (UK) Plc Not upheldBanking and creditMs O complains that Bank of Ireland (UK) plc, trading as Post Office Money, won’t refund to her the money that she paid for some flights. Her complaint is made against Post Office Money under section 75 of the Consumer Credit Act 1974. backgroundMs O used her Post ... (2 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 DRN9506743
31 Mar 2015 HSBC Bank plc Not upheldBanking and creditMr W complains that HSBC Bank plc will not refund to him the money that he paid for a watch when he was overseas and which he says is a counterfeit. His complaint is made against HSBC under section 75 of the Consumer Credit Act 1974.our initial conclusionsThe adjudicator did n... (2 pages)View decision -
Decision Reference DRN9504137
31 May 2019 Virgin Media Mobile Finance Limited Not upheldBanking and creditMr S complains that he wasn’t told that he was entering into a credit agreement with Virgin Media Mobile Finance Limited when he upgraded his mobile phone or that there was a charge for the handset. He’s being helped with his complaint by his wife.backgroundMr S upgrade... (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 DRN9886933
25 Oct 2017 MBNA Limited Not upheldBanking and creditMr A complains that MBNA Limited won’t refund to him the money that he paid for some folding doors. His complaint is made against MBNA under section 75 of the Consumer Credit Act 1974. backgroundMr A used his MBNA credit card in early 2016 to pay £3,600 towards the co... (2 pages)View decision -
Decision Reference DRN-3449737
11 Jul 2022 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-3449737 The complaint Mrs L complains about the way that Shop Direct Finance Company Limited, trading as Littlewoods, has dealt with the payments that she’s made to her account. She’s being helped with her complaint by her daughter. What happened Mrs L says that she’s been a customer o... (2 pages)View decision -
Decision Reference DRN2801919
20 Jun 2018 Ulster Bank Ltd Not upheldBanking and creditMr M and Ms B complain that Ulster Bank Limited won’t refund to them the money that they paid for a holiday club membership. Their complaint is made against Ulster Bank under section 75 of the Consumer Credit Act 1974. backgroundMr M and Ms B took out a loan in 20... (2 pages)View decision -
Decision Reference DRN0652482
3 Nov 2014 Phoenix Life Limited Not upheldInvestment and pensionsMrs H complains that a life assurance policy with critical illness benefit was mis-sold to her by Phoenix Life Limited.backgroundMrs H and her husband were granted a mortgage in 2001 and they also took out a life assurance policy with critical illness benefit. The policy lapsed due to ... (2 pages)View decision
