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-5529757
14 May 2025 Quidie Limited Not upheldConsumer CreditDRN-5529757 The complaint Mr P complains that Quidie Limited trading as Fernovo lent to him irresponsibly. What happened Mr P took two loans and this table gives a summary. Loan Approved Amount Repay terms (rounded) Amount scheduled to be repaid Status 1 4 June 2024 £500 5 x £141 1 x ... (6 pages)View decision -
Decision Reference DRN-5558370
14 May 2025 Yorkshire Building Society UpheldBanking and PaymentsDRN-5558370 The complaint Mr C is unhappy that Yorkshire Building Society (“YBS”) didn’t transfer interest to his nominated account in line with his instructions. What happened In May 2024, Mr C raised a complaint with YBS because he was unhappy that YBS hadn’t transferred earned intere... (3 pages)View decision -
Decision Reference DRN-5389613
14 May 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5389613 The complaint Mr M complains Nationwide Building Society (Nationwide) changed the introductory interest free overdraft facility without prior notification. What happened Mr M says he opened a FlexDirect account (FD) with Nationwide in April 2024, taking up the offer of 0% in... (2 pages)View decision -
Decision Reference DRN-5554750
14 May 2025 Nelson Insurance Company Ltd UpheldInsuranceDRN-5554750 The complaint Mr G complains about how Nelson Insurance Company Ltd handled a claim on his motor insurance. Nelson used a third party company to handle Mr G’s claim and most of his correspondence has been with this company rather than directly with Nelson. For the avoidance ... (4 pages)View decision -
Decision Reference DRN-5556163
14 May 2025 Aviva Insurance Limited Not upheldInsuranceDRN-5556163 The complaint Mrs J complains about Aviva Insurance Limited’s handling of a claim under her motor insurance policy. Aviva has been represented by its agents during the claim, and Mrs J has been represented on the claim and complaint by the named driver. All references to Avi... (9 pages)View decision -
Decision Reference DRN-5555043
14 May 2025 Monzo Bank Ltd UpheldConsumer CreditDRN-5555043 The complaint Mr F complains that Monzo Bank Ltd was irresponsible in its lending to him. He wants a thorough review of the loan application to take place and for Monzo to consider cancelling the loan. Mr F is represented by a family member Mrs N. What happened Mr F was prov... (4 pages)View decision -
Decision Reference DRN-5558185
14 May 2025 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-5558185 The complaint Mrs M complains about the way Creation Consumer Finance Ltd trading as Creation (‘Creation’) handled her claim under section 75 of the Consumer Credit Act 1974 (‘section 75’). What happened Mrs M went to a retailer where, with its help, she arranged a design f... (4 pages)View decision -
Decision Reference DRN-5558186
14 May 2025 Experian Limited UpheldConsumer CreditDRN-5558186 The complaint Mr B is unhappy with how Experian Limited handled his request to amend the Password Notice of Correction (PNOC) on his credit file. What happened The background to this complaint and my provisional findings were set out in my provisional decision sent to both ... (6 pages)View decision -
Decision Reference DRN-5520562
14 May 2025 Vitality Health Limited Not upheldInsuranceDRN-5520562 The complaint Mr G is unhappy that Vitality Health Limited (Vitality) declined to remove a medical condition exclusion on his private medical insurance policy. What happened Mr G has a private medical insurance policy with Vitality. An exclusion has been applied to Mr G’s po... (3 pages)View decision -
Decision Reference DRN-5203962
14 May 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5203962 The complaint Mr and Mrs H complain that HSBC UK Bank Plc (‘HSBC’) won’t refund the money they lost as the result of a scam. What happened In 2023, Mr and Mrs H were looking for a campervan. They found one they were interested in, but it was sold before they were able to vie... (4 pages)View decision
