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 367300 results
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Decision Reference DRN-4577848
31 Oct 2024 Shawbrook Bank Limited Not upheldConsumer CreditDRN-4577848 The complaint Miss K’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) decidi... (14 pages)View decision -
Decision Reference DRN-5077897
31 Oct 2024 First Response Finance Ltd UpheldConsumer CreditDRN-5077897 The complaint Mr U complains that the car he acquired financed through a hire purchase agreement with First Response Finance Ltd wasn’t of satisfactory quality. Mr U is represented in this complaint. For the sake of simplicity I’ve referred to all submissions from his repres... (4 pages)View decision -
Decision Reference DRN-4793723
31 Oct 2024 EE Limited Not upheldConsumer CreditDRN-4793723 The complaint Mrs H has complained about the quality of a device she bought using a fixed sum loan agreement with EE Limited. What happened In June 2023 Mrs H bought a device using a fixed sum loan agreement with EE. The device cost around £900 and it was to be paid back wi... (2 pages)View decision -
Decision Reference DRN-4973418
31 Oct 2024 Bank of Scotland Plc UpheldMortgagesDRN-4973418 The complaint Mr A complains about how Bank of Scotland plc trading as Halifax has dealt with him following the ending of the term of his interest-only mortgage. What happened Mr A has an interest-only mortgage with Halifax that he took out in September 2004. The term ended ... (4 pages)View decision -
Decision Reference DRN-4831634
31 Oct 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-4831634 The complaint Mr W complains that Nationwide Building Society did not pursue a chargeback in respect of a payment which was made to a business which provides website services. What happened In June 2023 Mr W’s Nationwide card was used for a payment of £179.88 to a business w... (2 pages)View decision -
Decision Reference DRN-4985497
31 Oct 2024 Black Horse Limited Not upheldConsumer CreditDRN-4985497 The complaint Mr A complained about the quality of a car supplied to him under a hire purchase agreement with Black Horse Ltd (‘Black Horse’). When I refer to what Mr A or Black Horse have said or done, it should also be taken to include things said or done on their behalf.... (5 pages)View decision -
Decision Reference DRN-5053987
31 Oct 2024 Cornmarket Insurance Services Limited Not upheldInsuranceDRN-5053987 The complaint Mr J has complained that his motor insurance broker, Cornmarket Insurance Services Limited, (‘Cornmarket’) isn’t honouring an agreement he had with it for his yearly premiums to remain fixed for three years . What happened Mr J had been taking out his motor in... (5 pages)View decision -
Decision Reference DRN-5052845
31 Oct 2024 Royal & Sun Alliance Insurance Limited Not upheldInsuranceDRN-5052845 The complaint Mr M complains Royal & Sun Alliance Insurance Limited trading as More Th>n (RSA) has unfairly charged him too much for his home insurance policy, when he’s compared what he’s paid, to that of his neighbour. What happened In late 2023 Mr M made a complai... (3 pages)View decision -
Decision Reference DRN-5118478
31 Oct 2024 Astrenska Insurance Limited UpheldInsuranceDRN-5118478 The complaint Mr and Mrs A have complained about Astrenska Insurance Limited’s lack of assistance when Mr A had an accident whilst on a trip abroad. What happened Mr and Mrs A were on the last day of a cruise in September 2023 when Mr A was injured after a bad fall. He was ... (2 pages)View decision -
Decision Reference DRN-4985354
31 Oct 2024 Domestic & General Insurance Plc Not upheldInsuranceDRN-4985354 The complaint Mr H complains that Domestic & General Insurance Plc (“D&G”) unfairly charged him an upgrade fee to replace his tv, under his home appliance insurance policy. What happened Mr H says his tv developed a fault. He made a claim to D&G. After which it t... (2 pages)View decision
