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-4734761
7 Oct 2024 Billing Finance Limited Not upheldConsumer CreditDRN-4734761 The complaint Mrs H complains about the quality of a used car that was supplied through a hire purchase agreement with Billing Finance Limited (BFL). What happened Around August 2023, Mrs H took a hire purchase agreement with BFL to acquire a used car. The total price of the... (4 pages)View decision -
Decision Reference DRN-5030487
7 Oct 2024 PayPal UK Ltd Not upheldBanking and PaymentsDRN-5030487 The complaint Mr R feels that PayPal UK Ltd processed a payment from his account without his consent. What happened In May 2023, Mr R made a payment for car insurance via his PayPal account. One year later, when the car insurance policy expired, PayPal paid an auto-renewal p... (2 pages)View decision -
Decision Reference DRN-4819121
7 Oct 2024 Nationwide Building Society UpheldMortgagesDRN-4819121 The complaint Miss W’s complaint is about her mortgage account with Nationwide Building Society. The complaint is that when Miss W asked for a six-month interest-only concession under the Mortgage Charter when she had one month left on her 0.87% interest rate product, Natio... (5 pages)View decision -
Decision Reference DRN-5062929
7 Oct 2024 Bank of Scotland Plc Not upheldMortgagesDRN-5062929 The complaint Mr K complains that Bank of Scotland plc, trading as Halifax, mis-sold him a mortgage. He says it lent to him irresponsibly and gave him a residential mortgage instead of a buy-to-let mortgage as he should have had. He also complains about the additional intere... (3 pages)View decision -
Decision Reference DRN-5062656
7 Oct 2024 Wise Payments Limited UpheldBanking and PaymentsDRN-5062656 The complaint Mrs N has complained that Wise Payments Limited (“Wise”) failed to protect her from falling victim to a job-based impersonation scam. What happened I issued my provisional decision (PD) on this complaint in September 2024. An extract of my PD can be found belo... (4 pages)View decision -
Decision Reference DRN-5061829
7 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5061829 The complaint Mr B complains NewDay Ltd trading as Aqua irresponsibly lent to him. Mr B is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr B himself. What happe... (4 pages)View decision -
Decision Reference DRN-5052263
7 Oct 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-5052263 Complaint Miss K has complained about the quality of a car that Zopa Bank Limited (“Zopa”) supplied to her through a hire-purchase agreement. Background In August 2023, Zopa provided Miss K with finance for a used car. The cash price of the vehicle was £8,289.75. Miss K did... (8 pages)View decision -
Decision Reference DRN-5025139
7 Oct 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-5025139 Complaint Mr R complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said that the agreement was unaffordable and the finance therefore shouldn’t have been provided to him. Background In October 2019, SMF pro... (3 pages)View decision -
Decision Reference DRN-5029144
7 Oct 2024 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-5029144 Complaint Mrs K complains that BMW Financial Services (GB) Limited (“Alphera” Financial Services) unfairly entered into a hire-purchase agreement with her. She’s said the agreement was unaffordable and so she shouldn’t have been accepted for it. Background In June 2019, Alp... (4 pages)View decision -
Decision Reference DRN-5031683
7 Oct 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5031683 Complaint Mr T complains that Moneybarn No.1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable. Background In January 2019, Moneybarn... (3 pages)View decision
