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 634 results
-
Decision Reference DRN6530177
1 May 2014 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr and Mrs B say Bank of Scotland plc (BoS) trading as Halifax mis-sold them a mortgage payment protection insurance (MPPI) policy for the following reasons: They were pressurised into agreeing to buy the MPPI. They were not told the MPPI was optional. The policy was not suitable fo... (4 pages)View decision -
Decision Reference DRN9116057
13 Dec 2018 John Lewis Financial Services Limited UpheldBanking and creditMs W complains that John Lewis Financial Services Limited won’t refund to her the money that she’s paid for building works to be completed. Her complaint is made against John Lewis Financial Services under section 75 of the Consumer Credit Act 1974. background Ms W used... (4 pages)View decision -
Decision Reference DRN-5029616
13 Feb 2025 Aldermore Bank Plc UpheldConsumer CreditDRN-5029616 The complaint Mr P complains that a car that was supplied to him under a hire purchase agreement with Aldermore Bank plc was misrepresented to him and wasn’t of satisfactory quality. Mr P is being represented in his complaint by a legal adviser. What happened A used car was ... (4 pages)View decision -
Decision Reference DRN-5623209
13 Aug 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5623209 The complaint Mr M complains that Santander UK plc won’t refund to him the money that he paid for a car and reimburse him for other costs that he’s claimed. What happened Mr M used his Santander credit card to pay a £250 deposit for a used car that he bought in March 2023. T... (4 pages)View decision -
Decision Reference DRN-3610143
1 Mar 2023 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-3610143 The complaint Mr L complains that Clydesdale Financial Services Limited, trading as Barclays Partner Finance, has rejected the claims that he’s made under the Consumer Credit Act 1974. He’s being represented in his complaint by a claims management company. What happened Mr L an... (4 pages)View decision -
Decision Reference DRN-2822529
25 May 2021 Oodle Financial Services Limited Not upheldConsumer CreditDRN-2822529 The complaint Miss T complains that a car that was supplied to her under a hire purchase agreement with Oodle Financial Services Limited, trading as Oodle Car Finance, wasn’t of satisfactory quality. What happened I issued a provisional decision on this complaint to Miss T and ... (5 pages)View decision -
Decision Reference DRN-3558983
23 Mar 2023 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-3558983 The complaint Mr D complains that Clydesdale Financial Services Limited, trading as Barclays Partner Finance, won’t refund to him the money that he and his wife paid for some holiday club membership points. He’s being represented in his complaint by a claims management company.... (5 pages)View decision -
Decision Reference DRN-4742886
23 Sep 2024 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-4742886 The complaint Mrs Y’s complaint is, in essence, that Clydesdale Financial Services Limited, trading as Barclays Partner Finance, acted unfairly and unreasonably by: (1) participating in an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974... (5 pages)View decision -
Decision Reference DRN-3229558
13 Jan 2022 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-3229558 The complaint Mr W complains about the charge for excess mileage that Mercedes-Benz Financial Services UK Limited, trading as Mercedes-Benz Finance, has made after he voluntarily terminated the hire purchase agreement under which a car had been supplied to him. What happened I ... (6 pages)View decision -
Decision Reference DRN-3342271
28 Apr 2022 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-3342271 The complaint Mrs O complains about the way that BMW Financial Services (GB) Limited, trading as Mini Financial Services, has dealt with the partial early repayment that she made towards a hire purchase agreement under which a car had been supplied to her. Her husband is also i... (6 pages)View decision
