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
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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-5123085
26 Nov 2024 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5123085 The complaint Mr C complains about a fixed sum loan agreement with Mitsubishi HC Capital UK plc, trading as Novuna Personal Finance, that he used to pay for some fitted furniture. What happened Mr C entered into a fixed sum loan agreement with a lender that it now known as N... (3 pages)View decision -
Decision Reference DRN5165877
31 Jul 2013 HFC Bank Limited Not upheldBanking and creditMr D complains that HFC Bank Limited recorded a default on his credit file.backgroundMr D had three accounts with HFC. He opened the first account, on which the default was later recorded, when he lived at his old address and opened the other two accounts after he had moved to his curr... (2 pages)View decision -
Decision Reference DRN9958539
11 Feb 2015 American Express Services Europe Limited UpheldBanking and creditMr F complains that American Express Services Europe Limited will not refund to him the money that he has claimed for a hotel booking. His complaint is made against American Express under section 75 of the Consumer Credit Act 1974. backgroundMr F booked a hotel room using a booking ag... (2 pages)View decision -
Decision Reference DRN8400947
8 Mar 2017 Lloyds Bank PLC Not upheldBanking and creditMr S complains that Lloyds Bank plc has recorded a default against him relating to an account which was used by his ex-partner without his knowledge or consent. backgroundMr S contacted Lloyds in February 2015 because his current account had been used for transactions t... (2 pages)View decision -
Decision Reference DRN-2166768
21 Dec 2020 Volkswagen Financial Services (UK) Limited Not upheldConsumer CreditDRN-2166768 The complaint Mr A complains that Volkswagen Financial Services (UK) Limited, trading as Audi Financial Services, won’t refund to him the money that he paid for a car that was supplied to him under a hire purchase agreement. What happened The details of this complaint are well ... (2 pages)View decision -
Decision Reference DRN9322874
8 Jul 2019 National Westminster Bank Plc Not upheldBanking and creditMr W complains that National Westminster Bank Plc won’t refund to him the amount that he’s claimed for his purchase of a multi-media car stereo unit. His complaint is made against NatWest under section 75 of the Consumer Credit Act 1974. backgroundMr W used his NatWest credit card in April... (2 pages)View decision -
Decision Reference DRN1776855
9 Sep 2019 BMW Financial Services (GB) Limited Not upheldBanking and creditMiss L complains about the issues that she’s had with a car that was supplied to her under a hire purchase agreement with BMW Financial Services (GB) Limited, trading as Alphera Financial Services.backgroundA used car was supplied to Miss L under a hire purchase agreement with Alphera Fina... (2 pages)View decision -
Decision Reference DRN6054419
15 Nov 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMrs T complains that a debt management plan was mis-sold to her by Harrington Brooks (Accountants) Limited. She also complains about the way that Harrington Brooks had dealt with her plan. She is being helped with her complaint by a representative.backgroundMrs T entere... (2 pages)View decision -
Decision Reference DRN6048356
3 Oct 2018 Santander UK Plc Not upheldBanking and creditMrs B complains that she’s being pursued for repayment of the money that was lent to her under a fixed sum loan agreement with Santander UK plc, trading as Santander Cards. She also complains about the adverse information that’s been recorded on her credit file. ... (2 pages)View decision
