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 375119 results
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Decision Reference DRN-5258296
30 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5258296 The complaint Mr H complains Vanquis Bank Limited (“Vanquis”) undertook a searches on his credit report when he no longer had an account with it. What happened Mr H found a hard search on his credit file by Vanquis dated 7 November 2023. He raised this with Vanquis who uphel... (2 pages)View decision -
Decision Reference DRN-5295582
30 Jan 2025 LDF Operations Limited Not upheldConsumer CreditDRN-5295582 The complaint R, a sole trader complains LDF Operations Limited trading as White Oak (“LDF”) told him his application for finance had been declined due to adverse credit when there is nothing adverse on his credit record. What happened R applied for business finance with LDF... (2 pages)View decision -
Decision Reference DRN-5252714
30 Jan 2025 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5252714 The complaint Mr P complains the settlement figure he received from Mitsubishi HC Capital UK PLC, trading as Novuna Vehicle Solutions, wasn’t fair, when the car he acquired financed through a hire agreement was declared written off. What happened In October 2021 Mr P acquire... (3 pages)View decision -
Decision Reference DRN-5093793
30 Jan 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5093793 The complaint Mrs A complains about the actions of Revolut Ltd when she lost money to a scam. Mrs A is being represented by a claims management company but for ease I’ll only refer to Mrs A. What happened The detailed background to this complaint is well known to both part... (9 pages)View decision -
Decision Reference DRN-4913468
30 Jan 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4913468 The complaint Ms B complains that Clydesdale Bank plc, trading as Virgin Money, won’t refund to her the money that she paid for some accommodation. What happened Ms B used her Virgin Money credit card in February 2023 to pay £545.70 for some accommodation that she and her fa... (3 pages)View decision -
Decision Reference DRN-5205521
30 Jan 2025 Stellantis Financial Services UK Limited Not upheldConsumer CreditDRN-5205521 The complaint Mr M complains that the car he acquired financed through a conditional sale agreement with Stellantis Financial Services UK Limited wasn't of satisfactory quality. What happened In June 2021 Mr M acquired a used car financed through a conditional sale agre... (4 pages)View decision -
Decision Reference DRN-4856809
30 Jan 2025 American Express Services Europe Limited (AESEL) Not upheldBanking and PaymentsDRN-4856809 The complaint Mr E complains that American Express Services Europe Limited won’t refund to him the money that he paid to an online retailer for some goods and about the way that it’s dealt with his chargeback claims. What happened Mr E used his American Express credit card i... (3 pages)View decision -
Decision Reference DRN-5263932
30 Jan 2025 Nationwide Building Society Not upheldMortgagesDRN-5263932 The complaint Mr G complains that Nationwide Building Society shouldn’t have offered him a mortgage for the property he bought. Due to the construction type he’s been unable to sell or re-mortgage the property. What happened Mr G took out a mortgage with Nationwide in 2022. ... (3 pages)View decision -
Decision Reference DRN-5203730
30 Jan 2025 HDI Global Specialty SE Not upheldInsuranceDRN-5203730 The complaint Mr H complains that HDI Global Specialty SE (“HDI”) declined his claim and cancelled his home insurance policy following a claim for storm damage. This complaint involves the actions of agents for whom HDI is responsible. Any reference to HDI includes its agen... (6 pages)View decision -
Decision Reference DRN-5270941
30 Jan 2025 Santander UK Plc Not upheldConsumer CreditDRN-5270941 The complaint Mr J is unhappy that Santander UK Plc didn’t clearly warn him that a temporary reduced payment plan could have an adverse impact on his credit file. What happened Mr J has a loan with Santander. On 19 June 2024, Mr J called Santander and explained that he would... (3 pages)View decision
