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
-
Decision Reference DRN-5096944
22 Oct 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-5096944 The complaint and what happened Mr H has complained about Creation Consumer Finance Ltd’s (‘Creation’) response to a claim he made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’) and in relation to allegations of an unfair relationship taking in to acco... (6 pages)View decision -
Decision Reference DRN-4963010
22 Oct 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4963010 The complaint Mr W is a sole trader. He complains that HSBC UK Bank Plc behaved unreasonably when it reduced the overdraft facility on the account he held with the bank. What happened Mr W held a business current account with HSBC with an overdraft facility of £30,000. Mr ... (4 pages)View decision -
Decision Reference DRN-4800698
22 Oct 2024 Black Horse Limited Not upheldConsumer CreditDRN-4800698 The complaint Mr O complains that Black Horse Limited trading as Jaguar Financial Services (“Black Horse”) has added unfair charges to his account at the end of a hire purchase agreement. And he also complains that, as a result of those charges not being paid, Black Horse ha... (3 pages)View decision -
Decision Reference DRN-5093994
22 Oct 2024 Liverpool Victoria Insurance Company Limited Not upheldInsuranceDRN-5093994 The complaint Mr J complains about the price quoted by Liverpool Victoria Insurance Company Limited (“LV”) to renew his car insurance policy. What happened Mr J received a quote to renew his policy which he says was significantly higher than what he’d paid the previous year... (3 pages)View decision -
Decision Reference DRN-5096847
22 Oct 2024 Great Lakes Insurance UK Limited UpheldInsuranceDRN-5096847 The complaint D, a limited company, represented by its director, Mr D, has complained about its commercial property insurer, Great Lakes Insurance UK Limited. Mr D said it wouldn’t settle D’s claim, took too long and caused financial loss. What happened D purchased a proper... (5 pages)View decision -
Decision Reference DRN-4780585
22 Oct 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4780585 The complaint Mr A has complained that Lloyds Bank PLC has unfairly closed his credit card account. What happened Mr A had a credit card with Lloyds, but it closed the account due to missed repayments. This was also recorded on his credit file. Mr A feels this was unfair, be... (2 pages)View decision -
Decision Reference DRN-5025249
22 Oct 2024 ReAssure Limited Not upheldPensions and AnnuitiesDRN-5025249 The complaint Miss P complains that ReAssure Limited (ReAssure) provided poor service when she wanted to set up a Retirement Account (RA) with it, take some Tax-Free Cash (TFC) and then continue to pay both employee and employer contributions into that account. She said the ... (8 pages)View decision -
Decision Reference DRN-5030785
22 Oct 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-5030785 The complaint Mr B complains that Loans 2 Go Limited did not carry out proportionate checks before granting him a loan. What happened In March 2021 Mr M took out a loan for £250 with an interest rate of 17.3% repayable over 18 months at £57.14 a month. In April 2024 Mr M, us... (3 pages)View decision -
Decision Reference DRN-5096812
22 Oct 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5096812 Complaint Mr J has complained that Barclays Bank UK PLC (trading as “Barclaycard”) irresponsibly provided him with credit card limit increases despite the fact that he was unemployed and already struggling to make his repayments. Background Mr J’s credit limit was increased... (4 pages)View decision -
Decision Reference DRN-4834026
22 Oct 2024 Revolut Ltd UpheldBanking and PaymentsDRN-4834026 The complaint Miss B complains that Revolut Ltd (Revolut) is refusing to refund her the amount she lost as the result of a scam. What happened The background of this complaint is well known to all parties, so I won’t repeat what happened in detail. In summary, Miss B was in... (6 pages)View decision
