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 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 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 -
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 DRN1494938
13 Nov 2015 J & J Insurance Finance Not upheldInvestment and pensionsMr U complains that an income protection plan was mis-sold to him by Mr Xiao, trading as J&J Insurance Finance. He is being helped with his complaint by a representative. backgroundJ&J Insurance Finance recommended to Mr U in 2006 that he take out an income p... (2 pages)View decision -
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 DRN5079283
15 Feb 2018 Advantage Finance Ltd Not upheldBanking and creditMr W complains that a car that was supplied to him under a hire purchase agreement with Advantage Finance Limited wasn’t of satisfactory quality.backgroundA used car was supplied to Mr W under a hire purchase agreement with Advantage Finance in May 2017. Mr W compl... (2 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 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 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