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
-
Decision Reference DRN7966728
22 Apr 2013 Lombard Vehicle Management (1) Limited UpheldBanking and creditMr B is represented by his parents. Mr B’s parents complain that Lombard engaged in irresponsible lending in relation to a conditional sale agreement on a new car. Mr B has been diagnosed with Asperger’s syndrome and says he was unduly pressured into the purchase by a third party. Mr B... (4 pages)View decision -
Decision Reference DRN-5389648
12 Mar 2025 Specialist Motor Finance Limited UpheldConsumer CreditDRN-5389648 The complaint Mr V complains about a car supplied to him using a hire purchase agreement taken out with Specialist Motor Finance Limited (“SMFL”). What happened In May 2023, Mr V acquired a used car using a hire purchase agreement with SMFL. The duration of the agreement wa... (8 pages)View decision -
Decision Reference DRN-4269090
13 Nov 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4269090 The complaint Mr and Mrs R are unhappy that HSBC UK Bank Plc (trading as First Direct) won’t reimburse them for the money they lost when Mr R fell victim to a scam. What happened Mr and Mrs R are represented in this complaint by a solicitor, for simplicity I will refer to Mr an... (4 pages)View decision -
Decision Reference DRN-4163176
31 May 2023 Blue Motor Finance Ltd UpheldConsumer CreditDRN-4163176 The complaint Mr H is unhappy with how Blue Motor Finance Ltd (‘BMF’) treated him in relation to a hire purchase agreement when he got into financial difficulty. What happened Mr H took a hire purchase agreement to acquire a car in September 2017. The car had a cash price of £2... (6 pages)View decision -
Decision Reference DRN-4308426
21 Aug 2023 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-4308426 The complaint Mr K complains about the quality of a car he has been financing through an agreement with Blue Motor Finance Ltd, who I’ll call “BMFL”. What happened I issued provisional decisions on this complaint earlier in the year. An extract from my most recent provisional d... (6 pages)View decision -
Decision Reference DRN5411392
19 Jan 2017 Santander UK Plc Not upheldBanking and creditMr H’s wife found an old passbook in his name where the last entry is in 2003. He complains that Santander UK Plc will not tell him what has happened to the balance. backgroundThe bank said Mr H’s account was closed at the beginning of 2004, the money transferr... (2 pages)View decision -
Decision Reference DRN-3823702
6 Apr 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3823702 The complaint Mr S complains that Bank of Scotland plc trading as Halifax hasn’t refunded him the money that he lost as part of a scam. What happened Mr S says that he made an account with an investment business that I will call A. They convinced Mr S that if he deposited funds... (2 pages)View decision -
Decision Reference DRN3735360
12 Jul 2016 Pacific IFA Limited UpheldInvestment and pensionsMr H complained about Pacific IFA Limited. He said he was given unsuitable advice to transfer his personal pension plans (PPP) to a self-invested personal pension (SIPP). The SIPP was set up to allow Mr H to invest in an off-plan hotel in the Caribbean. backgroundIn 2... (9 pages)View decision -
Decision Reference DRN-4756485
10 Oct 2024 Lendable Ltd Not upheldConsumer CreditDRN-4756485 The complaint Mr S complains about the quality of a car supplied to him by Lendable Ltd trading as Autolend (“Lendable”). What happened Mr S acquired a used car under a 50 month hire purchase agreement with Lendable in January 2024. The car cost around £5,257 and Mr S said h... (3 pages)View decision -
Decision Reference DRN-3724334
30 Dec 2022 Portal Financial Services LLP UpheldPensions and AnnuitiesDRN-3724334 The complaint Miss B’s complaint concerns advice she received from Portal Financial Services LLP (Portal) to invest in high risk funds. She has reached retirement age and is now unable to access any of the funds within her pension. What happened The details of the complaint are... (8 pages)View decision
