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 DRN4119604
18 Oct 2017 MBNA Limited Not upheldBanking and creditMrs F complains that MBNA Limited won’t refund to her account the money that was paid for some imported goods. She also complains about the service that’s been received from MBNA. Her complaint is made against MBNA under section 75 of the Consumer Credit Act 1974 and... (3 pages)View decision -
Decision Reference DRN7828028
7 Dec 2018 Equifax Limited Not upheldBanking and creditMr M complains that Equifax Limited has recorded incorrect information on his credit file.backgroundMr M complained to Equifax that it has recorded incorrect information on his credit file about a mobile phone account and that it was linking him to an associate with ... (2 pages)View decision -
Decision Reference DRN8601155
31 Jan 2014 Tesco Personal Finance PLC UpheldBanking and creditMr F complains that Tesco Personal Finance plc, trading as Tesco Bank, will not refund to him the money that he paid for a television using his Tesco Bank credit card. He says that the television was misrepresented to him. The supplier has stopped trading. His claim is made against... (2 pages)View decision -
Decision Reference DRN5873754
26 Sep 2019 Bank of Scotland Plc Not upheldBanking and creditThe Estate of the late Mrs S complains about the way that Bank of Scotland plc (trading as Halifax) has dealt with her accounts. It’s being represented in this complaint by one of the executors of the Estate – and the executor is being helped with it by a representative.backgroundMrs S pas... (3 pages)View decision -
Decision Reference DRN-3105392
4 Nov 2021 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3105392 The complaint Mr M complains that Moneybarn No. 1 Limited has terminated the conditional sale agreement under which a car was supplied to him. What happened A used car was supplied to Mr M under a conditional sale agreement with Moneybarn that he signed in May 2017. Moneybarn d... (3 pages)View decision -
Decision Reference DRN-4902852
3 Sep 2024 Bank of Scotland Plc Not upheldConsumer CreditDRN-4902852 The complaint Mr M complains that Bank of Scotland plc, trading as Halifax, has defaulted his loan account. What happened Mr M had a Halifax loan account. He phoned Halifax in October 2023 and asked for a payment holiday. Halifax placed a 30 day hold on the account and wrote... (3 pages)View decision -
Decision Reference DRN-3078501
13 Oct 2021 FirstRand Bank Limited UpheldConsumer CreditDRN-3078501 The complaint Ms A complains about the adverse information that FirstRand Bank Limited, trading as MotoNovo Finance, has recorded on her credit file in relation to a hire purchase agreement under which a car was supplied to her. What happened A used car was supplied to Ms A und... (3 pages)View decision -
Decision Reference DRN-2333124
15 Jul 2021 Tesco Mobile Limited UpheldConsumer CreditDRN-2333124 The complaint Mr N complains about the way that Tesco Mobile Limited has dealt with the early termination of a credit agreement under which a mobile phone was supplied to him. What happened Mr N entered into a credit agreement with Tesco Mobile that he electronically signed in ... (3 pages)View decision -
Decision Reference DRN9531443
4 Nov 2014 Barclays Bank Plc Not upheldBanking and creditMr and Mrs B complain that Barclays Bank PLC, trading as Barclaycard, will not refund to them the money that they paid for a car. They say that the car is not of satisfactory quality and that the seller misrepresented the car to them. Their complaint is made against Barclaycard under se... (2 pages)View decision -
Decision Reference DRN-3368826
27 Apr 2022 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-3368826 The complaint Mr M complains about the interest that he’s been charged by Shop Direct Finance Company Limited, trading as Littlewoods, on an item that he bought on “buy now pay later” terms. He’s being helped with his complaint by his representative. What happened Mr M used a c... (3 pages)View decision
