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 364766 results
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Decision Reference DRN-4923354
15 Nov 2024 Black Horse Limited UpheldConsumer CreditDRN-4923354 The complaint Mrs S complains Black Horse Limited trading as Land Rover Financial Services (Black Horse) supplied her with a car that she believes wasn’t of satisfactory quality. What happened In June 2023, Mrs S entered into a 49 month personal contract purchas... (3 pages)View decision -
Decision Reference DRN-4833524
15 Nov 2024 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4833524 The complaint Mr S complains that The Royal Bank of Scotland Plc (RBS) won’t refund him money he lost in a fake job scam. Mr S is represented by a third party, but for ease of reading, I’ll refer only to him. What happened The facts of this dispute are well known to both pa... (3 pages)View decision -
Decision Reference DRN-5137350
15 Nov 2024 The Equine and Livestock Insurance Company Limited Not upheldInsuranceDRN-5137350 The complaint Mr M has complained that The Equine and Livestock Insurance Company Limited, trading as The Insurance Emporium (‘Emporium’) declined his claim for the theft of a caravan under his caravan insurance policy. For the avoidance of doubt, reference to submissions by... (11 pages)View decision -
Decision Reference DRN-5041636
15 Nov 2024 U K Insurance Limited Not upheldInsuranceDRN-5041636 The complaint Mr S says U K Insurance Limited (‘UKI’) provided poor service when he made a claim on his motor insurance policy and that it wrongly continued to take direct debit payments from him. What happened Mr S was involved in a non-fault accident in February 2023. He ... (2 pages)View decision -
Decision Reference DRN-5149675
15 Nov 2024 AutoMoney Limited UpheldConsumer CreditDRN-5149675 The complaint Mr D’s complaint is that a car supplied to him under a Hire Purchase Agreement (“HP Agreement”) with AutoMoney Limited (“AML”) was of an unsatisfactory quality. He has asked AML to take redelivery of the car, cancel the HP Agreement and refund his money. When ... (5 pages)View decision -
Decision Reference DRN-5149415
15 Nov 2024 Toyota Financial Services (UK) Plc UpheldConsumer CreditDRN-5149415 The complaint Mr A complains that a car supplied to him under a hire purchase agreement by Toyota Financial Services (UK) PLC (“Toyota FS”) was not of a sufficient quality. What happened I issued a provisional decision on this complaint last month. In that decision I explain... (5 pages)View decision -
Decision Reference DRN-5040403
15 Nov 2024 Yonder Technology Ltd Not upheldBanking and PaymentsDRN-5040403 The complaint Mr A says Yonder Technology Ltd did not do enough to protect him when he fell victim to a coaching scam, or to try to recover his money when he realised he’d been scammed. Mr A recently added a representative to his complaint. For ease of reading I will refer s... (3 pages)View decision -
Decision Reference DRN-5148890
15 Nov 2024 Assurant General Insurance Limited UpheldInsuranceDRN-5148890 The complaint Mr S’s complaint is about the handling of a claim made under his mobile phone insurance policy with Assurant General Insurance Limited. What happened In October 2023, Mr S contacted Assurant to make a claim under the policy, as the screen on his phone was broke... (5 pages)View decision -
Decision Reference DRN-5145968
15 Nov 2024 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-5145968 The complaint Mr T has complained about the way Mitsubishi HC Capital UK Plc (“MHCC”) responded to claims he’d made in relation to misrepresentation, breach of contract, and an alleged unfair relationship taking into account section 140A (“s.140A”) of the Consumer Credit Act... (5 pages)View decision -
Decision Reference DRN-5149624
15 Nov 2024 Adrian Flux Insurance Services Group UpheldInsuranceDRN-5149624 The complaint Mr T has complained that his insurance broker Adrian Flux Insurance Services Group (‘Adrian Flux’) failed to extend his European roadside assistance cover which resulted in him not being covered further to a breakdown . What happened I issued a provisional dec... (6 pages)View decision
