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 3967 results
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Decision Reference DRN-4647104
4 Apr 2024 Oodle Financial Services Limited Not upheldConsumer CreditDRN-4647104 The complaint Mr L complains that Oodle Financial Services Limited trading as Oodle Car Finance (Oodle) acted irresponsibly by entering into a hire purchase agreement that he said he couldn’t afford to repay. Mr L in bringing his complaint is represented by a third party. For e... (3 pages)View decision -
Decision Reference DRN-3677305
28 Sep 2022 Stripe Payments UK Limited Not upheldBanking and PaymentsDRN-3677305 The complaint Company M is unhappy that Stripe Payments UK Limited won’t reimburse the loss they incurred as a result of a fraud which resulted in their funds being diverted to a fraudster’s account. They also feel that Stripe hasn’t helped them resolve this matter. What happen... (2 pages)View decision -
Decision Reference DRN-3515096
6 Jun 2022 Oodle Financial Services Limited UpheldConsumer CreditDRN-3515096 The complaint Miss S complains that under a hire-purchase agreement, Oodle Financial Services Limited supplied her with a car that wasn’t of satisfactory quality. Miss S is assisted in bringing her complaint by her partner (“A”). What happened On 9 November 2018, Miss S took re... (7 pages)View decision -
Decision Reference DRN8222813
27 Mar 2021 Blue Motor Finance Ltd UpheldBanking and creditMr V complains he was coerced into taking out a hire purchase agreement with Blue Motor Finance Ltd (BMF) in his name. background In August 2016, Mr V took out a hire purchase agreement to acquire a car. The total amount payable on the agreement was £30,771.34 and a deposit of £5,295 was m... (6 pages)View decision -
Decision Reference DRN-4042156
2 Jun 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4042156 Complaint Mr and Mrs B are unhappy that HSBC UK Bank Plc (trading as first direct) haven’t refunded them after Mr B fell victim to a scam. Background In August 2022, Mr B wanted to buy a van. He found an advert online for a used van that was available at a good price, given its... (3 pages)View decision -
Decision Reference DRN-2740351
28 Jul 2021 Wirecard Card Solutions Limited Not upheldBanking and PaymentsDRN-2740351 The complaint Mrs V is seeking to recover £1,000 from Wirecard Card Solutions Limited, a payment she made from her U Account as a result of a third-party scam November 2018. Mrs V is represented by her son, but I have referred to Mrs V throughout this decision, even though duri... (3 pages)View decision -
Decision Reference DRN4126475
27 Nov 2015 Santander UK Plc Not upheldBanking and creditMr M complains that Santander UK Plc removed a third party authority, Mr B, from his account by mistake. As a result Mr B and Mr M suffered inconvenience.our initial conclusionsOur adjudicator recommended that Mr M’s complaint be upheld. Santander agreed to pay Mr M an... (2 pages)View decision -
Decision Reference DRN3123890
31 Jan 2014 Bank of Scotland Plc Not upheldBanking and creditMr D complains about a custom engine build he part paid for using his credit card. He brings his claim against Bank of Scotland plc under section 75 of the Consumer Credit Act 1974.backgroundMr D contacted a supplier to renovate and customise his old engine for a performance car. After ne... (3 pages)View decision -
Decision Reference DRN7004531
30 Sep 2015 National Westminster Bank Plc Not upheldBanking and creditMr H is unhappy that National Westminster Bank Plc has recorded information about him that’s preventing him from getting a bank account and credit.backgroundMr H says that in January 2012 he was the victim of a fraud. He left his bag on a bus. And it was taken by... (2 pages)View decision -
Decision Reference DRN-4812033
5 Jul 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4812033 The complaint M, a limited company, complains that Lloyds Bank Plc unreasonable withheld funds from their merchant acquiring account. What happened M is represented by Ms S, a director of the business. The facts of this case are well known to both parties, so I will mention the... (2 pages)View decision
