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-5094318
21 Oct 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-5094318 The complaint Mr H has complained about Creation Consumer Finance Ltd (“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 account Section 140.A (‘... (8 pages)View decision -
Decision Reference DRN-4897537
21 Oct 2024 Advantage Insurance Company Limited UpheldInsuranceDRN-4897537 The complaint Mr and Mrs B complain about the decline of their accidental damage claim under their home insurance policy with Advantage Insurance Company Limited (‘Advantage’). Although this was a joint policy, as Mr B has primarily been dealing with the claim and complaint ... (3 pages)View decision -
Decision Reference DRN-5091012
21 Oct 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-5091012 The complaint and what happened Mr P 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-5094253
21 Oct 2024 PayPal (Europe) S.à r.l et Cie, S.C.A. Not upheldBanking and PaymentsDRN-5094253 The complaint Mr S complains that PayPal (Europe) Sarl et Cie SCA has treated him unfairly regarding a dispute about a transaction funding the purchase of a bicycle. What happened Mr S paid £1495 on 27 June 2023 using credit from Paypal to purchase a bicycle.... (4 pages)View decision -
Decision Reference DRN-4776565
21 Oct 2024 Admiral Insurance (Gibraltar) Limited Not upheldInsuranceDRN-4776565 The complaint Mr M is unhappy Admiral Insurance (Gibraltar) Limited (Admiral) have declined his claim and cancelled his motor insurance policy. What happened In April 2023 Mr M’s vehicle was stolen and so he raised a claim with Admiral. Admiral investigated Mr M’s claim but ... (3 pages)View decision -
Decision Reference DRN-5056678
21 Oct 2024 Shawbrook Bank Limited UpheldConsumer CreditDRN-5056678 The complaint Mrs G complains that Shawbrook Bank Limited was unhelpful in its handling of her offer to settle her loan account and was intrusive in its requests for information. What happened In 2023 Mrs G lost her job and faced financial difficulties. She spoke with Shawbr... (3 pages)View decision -
Decision Reference DRN-5059478
21 Oct 2024 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-5059478 The complaint Mr M complains about numerous text messages National Westminster Bank plc (NatWest) sent late at night. He would like NatWest to investigate if there was a data breach as he is concerned that this may be linked to an account at another banks being blocked. Wha... (2 pages)View decision -
Decision Reference DRN-5094160
21 Oct 2024 Southern Pacific Mortgage Limited UpheldMortgagesDRN-5094160 The complaint Mr O complains that Southern Pacific Mortgage Limited (SPML) is recording inaccurate information about him on his credit file. What happened In 2005, Mr O took out an interest only mortgage with SPML. The mortgage is in joint names with his now ex-partner. The ... (3 pages)View decision -
Decision Reference DRN-5046838
21 Oct 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5046838 The complaint Mr S complains that Lloyds Bank PLC didn’t raise an indemnity claim under the Direct Debit Guarantee when he asked it to. What happened Mr S contacted a communications provider (who I will call T) to cancel a monthly direct debit (DD) for £164.64 which had bee... (3 pages)View decision -
Decision Reference DRN-5094122
21 Oct 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-5094122 The complaint Mrs B 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 Cre... (8 pages)View decision
