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 DRN-3376494
8 Jun 2022 DreamLease Ltd Not upheldConsumer CreditDRN-3376494 The complaint Mr B complains about the issues that he’s been caused as a result of the delayed delivery of a car that he’d ordered from DreamLease Limited. What happened Mr B ordered a car from DreamLease, which was acting as a credit broker, in November 2021 which was going to... (2 pages)View decision -
Decision Reference DRN6523808
20 Jul 2015 National Savings and Investments UpheldBanking and creditMrs F complains that National Savings and Investments did not tell her when it reduced the interest rate on her savings account.backgroundMrs F deposited a substantial amount into her NS&I account in February 2011. The interest rate at that time was 1.75%. The interes... (3 pages)View decision -
Decision Reference DRN-3352940
28 Apr 2022 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-3352940 The complaint Mrs J complains that Clydesdale Financial Services Limited, trading as Barclays Partner Finance, won’t compensate her for the consequential losses that she’s claimed as a result of some faulty kitchen furniture being supplied to her. Her husband is also involved w... (3 pages)View decision -
Decision Reference DRN-2374694
24 Nov 2020 Volkswagen Financial Services (UK) Limited UpheldConsumer CreditDRN-2374694 The complaint Mr S complains that Volkswagen Financial Services (UK) Limited, trading as Audi Financial Services, has terminated the hire purchase agreement under which a used car was supplied to him. What happened Mr S entered into a hire purchase agreement with Audi Financial... (4 pages)View decision -
Decision Reference DRN-1426959
26 Mar 2021 RCI Financial Services Limited Not upheldConsumer CreditDRN-1426959 The complaint Mr M complains that a car that was supplied to him under a hire purchase agreement with RCI Financial Services Limited, trading as Nissan Finance, wasn’t of satisfactory quality. What happened A new electric car was supplied to Mr M under a hire purchase agreement... (3 pages)View decision -
Decision Reference DRN-2580929
26 Mar 2021 RCI Financial Services Limited Not upheldConsumer CreditDRN-2580929 The complaint Mr T complains about the way that RCI Financial Services Limited, trading as Renault Finance, has dealt with a hire agreement for a van battery. What happened Mr T entered into a hire agreement for a van battery with Renault Finance that he signed in March 2017. H... (3 pages)View decision -
Decision Reference DRN-2644150
14 May 2021 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-2644150 The complaint Mr W complains about the default that Sainsbury's Bank plc has recorded on his credit file and the way that it has dealt with his account. What happened Mr W has a credit card account with Sainsbury’s Bank. It went into arrears in March 2019 when the minimum ... (3 pages)View decision -
Decision Reference DRN-6060789
12 Jan 2026 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-6060789 The complaint Miss H complains that a credit card account with Clydesdale Bank plc, trading as Virgin Money, wasn’t affordable for her. What happened Miss H applied to Virgin Money for a credit card account with a 0% balance transfer offer in August 2019. Her application was... (3 pages)View decision -
Decision Reference DRN-3366330
9 Sep 2022 John Lewis Financial Services Limited Not upheldBanking and PaymentsDRN-3366330 The complaint Mrs B complains about John Lewis Financial Services Limited’s response to her request for a refund of the money that she paid for some furniture that wasn’t of satisfactory quality. What happened Mrs B and her husband bought some furniture with a total cost of £4,... (3 pages)View decision -
Decision Reference DRN-3308133
22 Mar 2022 Whichdeal Ltd UpheldConsumer CreditDRN-3308133 The complaint Mr N complains about the amounts included on a hire purchase agreement, under which a car was supplied to him, and which he says was mis-sold to him by Whichdeal Limited, trading as Creditplus. What happened A used car was supplied to Mr N in October 2021 under a ... (3 pages)View decision