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 363152 results
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Decision Reference DRN-5057958
8 Oct 2024 Lendable Ltd UpheldConsumer CreditDRN-5057958 The complaint Mrs S says Lendable Ltd irresponsibly lent to her. What happened Mrs S took out three loans from Lendable. A summary of her borrowing follows. loan taken out value, £ term in months monthly repayment, £ total repayable, £ 1 01/10/2021 £1,000 12 101.58 £1,218.91... (3 pages)View decision -
Decision Reference DRN-5007209
8 Oct 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5007209 The complaint Miss I complains that Bank of Scotland plc (operating under its Halifax brand) closed her current and credit card accounts without telling her the reason for its decision. What happened Miss I held a current account and a credit card account with Halifax. In Se... (2 pages)View decision -
Decision Reference DRN-5057979
8 Oct 2024 Stagemount Limited UpheldConsumer CreditDRN-5057979 The complaint Ms F complains that Stagemount Limited trading as Quidmarket was irresponsible to lend to her on four occasions. What happened Quidmarket agreed four loans for Ms F from October 2023 to May 2024. I’ve summarised some of the information it provided about these... (5 pages)View decision -
Decision Reference DRN-4910080
8 Oct 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4910080 The complaint Miss R complains that Lloyds Bank PLC closed her account and loaded a negative fraud marker against her on the National Fraud Database. She’d like the marker removed and compensation for the impact caused. What happened Miss R had an account with Lloyds. On 12 ... (3 pages)View decision -
Decision Reference DRN-5012507
8 Oct 2024 County Insurance Services Limited UpheldInsuranceDRN-5012507 The complaint Mr S is unhappy with the way County Insurance Services Limited (CIS) sold and renewed his home insurance policy. What happened Mr S has brought his complaint through a representative. For simplicity, any reference to Mr S within this decision includes his repre... (8 pages)View decision -
Decision Reference DRN-4729730
8 Oct 2024 Black Horse Limited Not upheldConsumer CreditDRN-4729730 The complaint Mr K complains that Black Horse Limited is pursuing him for a debt he doesn’t owe. What happened On 16 August 2017, Mr K entered a hire purchase agreement for a car (registration ending DPZ, agreement ending 291) which was to be repaid over 48 months. Unfortuna... (2 pages)View decision -
Decision Reference DRN-4860531
8 Oct 2024 Topaz Finance Limited UpheldMortgagesDRN-4860531 The complaint Mr M complains that Topaz Finance Limited, trading as Rosinca Mortgages (“Topaz”) didn’t remove a charge from his property in 2022. What happened Mr M had a mortgage with Topaz which he redeemed in 2022. Topaz had placed two charges on his property (which I’ll ... (3 pages)View decision -
Decision Reference DRN-4223398
8 Oct 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4223398 The complaint Miss W has complained about the way Creation Consumer Finance Ltd (“Creation”) responded to claims she’d made in relation to misrepresentation, breach of contract, and an alleged unfair relationship taking into account section 140A (“s.140A”) of the Consumer Cr... (6 pages)View decision -
Decision Reference DRN-4951854
8 Oct 2024 Lloyds Bank General Insurance Limited Not upheldInsuranceDRN-4951854 The complaint Miss C and Mr H complain that Lloyds Bank General Insurance Limited acted unreasonably in cancelling their home insurance policy. It seems to me that Mr H is taking the lead on this case, so for ease of reading I’ll mainly refer to him. What happened Lloyds can... (2 pages)View decision -
Decision Reference DRN-4885218
8 Oct 2024 West Bay Insurance Plc Not upheldInsuranceDRN-4885218 The complaint Mr H has complained that West Bay Insurance Plc unfairly and unreasonably refused to pay his claim under his pet policy for his dog. What happened Having previously insured his dog, with a different underwriter but under the same distributor, Mr H decided to t... (4 pages)View decision
