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 4037 results
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Decision Reference DRN5603432
15 Jan 2018 Marks & Spencer Financial Services plc Not upheldBanking and creditMr H complains about Marks & Spencer Financial Services Plc (M&S) decision not to meet his claim under section 75 of the Consumer Credit Act 1974.backgroundIn June 2016 Mr H and his wife signed a contract and paid a deposit of £2,765 for a home conservator... (5 pages)View decision -
Decision Reference DRN-4876253
14 Feb 2025 N.I.I.B. Group Limited UpheldConsumer CreditDRN-4876253 The complaint Mr P complains about the quality of a used car he acquired through a hire purchase agreement with N.I.I.B. Group Limited trading as Northridge Finance (‘Northridge’). Mr P says that the car ‘vibrates’ at higher speeds and Northridge has been unable to fix this.... (4 pages)View decision -
Decision Reference DRN-3853614
4 May 2023 Wykeham Independent Consultants Limited Not upheldInvestmentsThe complaint 1)Mr C complains that a Mr S of Wykeham Independent Consultants Limited (WIC) mis- sold a film partnership to him in December 2003. I will call that film partnership FP2. 2)(Mr C has made another complaint, about the 2002 sale of a film partnership that I will call FP1. This ... (22 pages)View decision -
Decision Reference DRN1036197
12 Dec 2014 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs K complain that National Westminster Bank Plc has removed £12,448.61 from their account and will not refund that amount to them. Mr and Mrs K are being helped with their complaint by a representative.backgroundA £50,000 cheque was deposited into Mr and Mrs K’s NatWest join... (2 pages)View decision -
Decision Reference DRN-4798817
15 May 2024 Advantage Finance Ltd UpheldConsumer CreditDRN-4798817 The complaint Miss T complains that a used car supplied by Advantage Finance Limited under a hire purchase agreement (HPA) is of unsatisfactory quality. What happened Miss T acquired this car in June 2022. She reported problems to the supplying dealer (who I’ll refer to as E) s... (5 pages)View decision -
Decision Reference DRN-4675417
18 Sep 2024 Revolut Ltd Not upheldBanking and PaymentsDRN-4675417 The complaint Mr M complains that Revolut Ltd did not refund a series of payments he lost to a scam. What happened Mr M was looking for ways to invest his money and found an advertisement for a company I’ll call ‘X’ who unfortunately turned out to be a scam company. He spok... (3 pages)View decision -
Decision Reference DRN-2846860
16 Nov 2021 MotoNovo Finance Limited UpheldConsumer CreditDRN-2846860 The complaint Mrs H complains about the quality of a car MotoNovo Finance Limited supplied her through a hire purchase agreement. What happened In January 2020, Mrs H acquired a used car under a hire purchase agreement with MotoNovo. The total amount of credit was for £11,990 ... (5 pages)View decision -
Decision Reference DRN8690563
6 Jun 2018 Park Leisure 2000 Limited Not upheldBanking and creditMr H complains that he was encouraged by Park Leisure 2000 Limited to trade up to two new static caravan holiday homes and enter into finance agreements which were unaffordable.backgroundMr H owned a 2012 model Willerby holiday home at a park owned by Park Leisure 2... (2 pages)View decision -
Decision Reference DRN-3891306
12 Jan 2023 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-3891306 The complaint Mr A is complaining that Mitsubishi HC Capital UK Plc (trading as Hitachi Personal Finance) hasn’t fairly supported him in respect to a dispute he has for an installation of a kitchen. He brings the claim under Section 75 of the Consumer Credit Act 1974 (Section 7... (6 pages)View decision -
Decision Reference DRN-4215824
28 Jun 2023 Mi Vehicle Finance Limited UpheldConsumer CreditDRN-4215824 The complaint Ms R complains that MI Vehicle Finance Limited (“MI”) refused to repair an acquired car after it had broken down. What happened Ms R took out a hire purchase agreement with MI in January 2022 to acquire a used car which was initially registered in October 2018. Sh... (8 pages)View decision
