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-4588578
7 Oct 2024 Car Shops Limited Not upheldConsumer CreditDRN-4588578 The complaint Mr M complains that Car Shops Limited mis-sold him a hire purchase agreement for four years instead of three. What happened In August 2023 Mr M visited a branch and ordered a used car, which he arranged to pay for with a hire purchase agreement. He says the agr... (2 pages)View decision -
Decision Reference DRN-5067135
7 Oct 2024 Home Retail Group Card Services Limited UpheldConsumer CreditDRN-5067135 The complaint Miss T complains that Home Retail Group Card Services Limited trading as Argos Financial Services (Argos) should’ve defaulted her account earlier than it did. What happened Miss T had a credit account with Argos but ran into financial difficulties. Her Argos a... (3 pages)View decision -
Decision Reference DRN-5043379
7 Oct 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-5043379 The complaint X complains that TSB Bank plc won’t pay out the switch incentive when they switched bank accounts through a promotion. What happened In June 2024 X switched their account from Bank A to TSB. X said they previously had an account with TSB and was switching back ... (2 pages)View decision -
Decision Reference DRN-5049811
7 Oct 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5049811 The complaint Miss F complains that Vanquis Bank Limited has recorded a default on her credit file and that it gave her incorrect information. What happened Miss F contacted Vanquis Bank about her credit card account in August 2023 because she was experiencing financial diff... (3 pages)View decision -
Decision Reference DRN-5049555
7 Oct 2024 Bank of Ireland (UK) Plc UpheldConsumer CreditDRN-5049555 The complaint Miss K complains that Bank of Ireland (UK) plc, trading as Post Office Money, didn’t properly check that a loan was affordable for her before lending to her. What happened Miss K entered into a fixed sum loan agreement with Post Office Money for a loan of £9,00... (3 pages)View decision -
Decision Reference DRN-4786769
7 Oct 2024 Revolut Ltd Not upheldBanking and PaymentsDRN-4786769 The complaint Miss S has complained that Revolut Ltd won’t refund some money she paid, in what she says was a scam. What happened Over the course of several months in 2023, Miss S paid around £4,700 to a garage, across a number of bank transfers from her Revolut account. In ... (3 pages)View decision -
Decision Reference DRN-4969345
7 Oct 2024 Bank of Scotland Plc UpheldMortgagesDRN-4969345 The complaint Miss M complains that Bank of Scotland plc failed to provide her with copies of mortgage statements, despite several requests. To put matters right Miss M said she wanted Bank of Scotland to provide her with the statements she had requested. What happened Miss ... (3 pages)View decision -
Decision Reference DRN-5044229
7 Oct 2024 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-5044229 The complaint Mrs H complains that Tesco Personal Finance plc, trading as Tesco Bank, has recorded a late payment on her credit file and that it gave her incorrect information. What happened Mrs H took a loan of £35,000 from Tesco Bank in March 2023. She agreed to repay the ... (2 pages)View decision -
Decision Reference DRN-4933145
7 Oct 2024 esure Insurance Limited Not upheldInsuranceDRN-4933145 The complaint Mrs M has complained that esure Insurance Limited (‘esure’) declined her claim for storm damage under her home insurance policy. What happened Mrs M stated that her the flat roof of her home was damaged in high winds towards the end of December 2023, and water... (4 pages)View decision -
Decision Reference DRN-5066851
7 Oct 2024 Nationwide Building Society UpheldMortgagesDRN-5066851 The complaint Mr C complains that Nationwide Building Society incorrectly recorded a marker against him on a fraud prevention database in connection with a mortgage application. What happened Mr C was a director and shareholder of a limited company. This company employed Mr ... (4 pages)View decision
