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
-
Decision Reference DRN-5362213
24 Mar 2025 Salary Finance Loans Limited UpheldConsumer CreditDRN-5362213 The complaint Mr S complains about issues caused by Salary Finance Loans Limited in collecting the payments due from him under a fixed sum loan agreement. What happened Mr S entered into a fixed sum loan agreement with Salary Finance Loans in May 2023 for a loan of £25,000. ... (3 pages)View decision -
Decision Reference DRN-2574615
25 May 2021 etika Finance UK Limited Not upheldConsumer CreditDRN-2574615 The complaint Mrs B complains about the refund that etika Finance UK Limited, trading as Paybreak, has made to her for a package of beauty treatments and products that she didn’t receive. What happened Mrs B entered in to a loan agreement with Paybreak in June 2018 to pay £1,50... (3 pages)View decision -
Decision Reference DRN-2186093
7 Dec 2020 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-2186093 The complaint Mr W complains about the way that BMW Financial Services (GB) Limited, trading as Alphera Financial Services, has dealt with his payments for a car that was supplied to him under a hire purchase agreement. His wife is also involved in his complaint. What happened... (3 pages)View decision -
Decision Reference DRN8362629
28 May 2020 FCE Bank Plc UpheldBanking and creditMr I complains that FCE Bank plc, trading as Ford Credit, has recorded a default on his credit file. He’s being helped with his complaint by a representative.backgroundA car had been supplied to Mr I under a hire purchase agreement with Ford Credit and he was making monthly payments to it ... (3 pages)View decision -
Decision Reference DRN2955096
21 Mar 2017 Clydesdale Financial Services Limited Not upheldBanking and creditMr R complains that his loan agreement with Clydesdale Financial Services Limited, trading as Barclays Partner Finance, was unaffordable for him. He’s being helped with his complaint by his daughter. backgroundMr R signed a fixed sum loan agreement with Barclays Partner F... (2 pages)View decision -
Decision Reference DRN-5036561
1 Oct 2024 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5036561 The complaint Mrs C complains that Shawbrook Bank Limited has terminated her loan agreement and recorded a default on her credit file. What happened Mrs C agreed a loan of £7,000 from Shawbrook Bank in April 2022. There were issues with the monthly repayment of £162.45 and M... (4 pages)View decision -
Decision Reference DRN-4497584
6 Dec 2023 Hastings Insurance Services Limited UpheldInsuranceDRN-4497584 The complaint Mr S complains about Hastings Insurance Services Limited (“HISL”) and the service he received when he contacted them to make a claim on his van insurance policy. Mr S has been represented by Ms B during the complaint process. For ease of reference, I will refer to... (5 pages)View decision -
Decision Reference DRN9459515
11 Jul 2019 Moneybarn No. 1 Limited Not upheldBanking and creditMiss M complains that Moneybarn No. 1 Limited has defaulted her account, repossessed her car and terminated her conditional sale agreement. And she complains about the service that she’s received from Moneybarn.backgroundA used car was supplied to Miss M under a conditional sale agreement ... (2 pages)View decision -
Decision Reference DRN-2944447
19 Oct 2021 NewDay Ltd Not upheldConsumer CreditDRN-2944447 The complaint Mrs A complains about the adverse information that NewDay Limited has recorded on her credit file relating to the payments that she made under a credit agreement for a television. What happened Mrs A used a credit agreement with a third party to pay for a televisi... (3 pages)View decision -
Decision Reference DRN-3237044
2 Feb 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3237044 The complaint Mrs S complains that HSBC UK Bank plc, trading as First Direct, won’t refund to her the money that she paid for services in connection with the relinquishment of a timeshare. What happened I issued a provisional decision on this complaint on 7 December 2021 in whi... (4 pages)View decision