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 246785 results
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Decision Reference DRN-4722326
21 Jun 2024 Bank of Scotland Plc Not upheldMortgagesDRN-4722326 The complaint Miss A and Mr W complain that Bank of Scotland Plc trading as Halifax used the lower of the purchase price or valuation to decide how much to lend to them. As a result, they said the loan-to-value (LTV) of their mortgage went up, meaning that Halifax was only prep... (2 pages)View decision -
Decision Reference DRN-4865551
21 Jun 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4865551 The complaint Miss K complains that Monzo Bank Ltd (“Monzo”) hasn’t protected her from losing money to a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat everything here. In brief summary, Miss K has explained that in June 20... (3 pages)View decision -
Decision Reference DRN-4759528
21 Jun 2024 Tradex Insurance Company Limited Not upheldInsuranceDRN-4759528 The complaint Ms P and Mr W complain Tradex Insurance Company Limited unfairly removed her from a motor insurance policy and declined her claim. Tradex’s been represented by an agent for the claim and complaint. For simplicity I’ve referred to the agent’s actions as being Trade... (3 pages)View decision -
Decision Reference DRN-4732470
21 Jun 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4732470 The complaint Mr P complains that Barclays Bank UK PLC, trading as Barclaycard, didn’t engage with offers to clear his account or offer payment breaks when he needed them. What happened The details of this complaint are well known to both parties, so I won’t repeat them again h... (2 pages)View decision -
Decision Reference DRN-4845366
21 Jun 2024 J D Williams & Company Limited Not upheldConsumer CreditDRN-4845366 Complaint Miss C has effectively complained that J D Williams & Company Limited (trading as “Simply Be”) irresponsibly provided her with a catalogue shopping account and limit increases despite the fact that her existing debt made them unaffordable. Background This complain... (4 pages)View decision -
Decision Reference DRN-4796305
21 Jun 2024 Quidie Limited UpheldConsumer CreditDRN-4796305 The complaint Mr Y complains that had Quidie Limited trading as Fernovo (Fernovo) done the proper checks it would have realised he could not afford this loan. What happened Mr Y took one loan for £350 on 3 December 2022. It was due to be repaid over three instalments. The total... (7 pages)View decision -
Decision Reference DRN-4820854
20 Jun 2024 American Express Services Europe Limited (AESEL) Not upheldBanking and PaymentsDRN-4820854 The complaint Mrs W complains that American Express Services Europe Limited (“AESEL”) recorded late payment markers on her credit file in 2020. Mrs W disputes that she missed any payments and says that the markers relate to an unauthorised monthly charge of £7.99 on her account... (3 pages)View decision -
Decision Reference DRN-4349464
20 Jun 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4349464 The complaint Mr A has complained about the repayments under his finance agreement with Moneybarn No. 1 Limited. He believes he’s still being required to make repayments, even though the term of the agreement has ended. What happened In May 2020, Mr A entered into a finance agr... (2 pages)View decision -
Decision Reference DRN-4864008
20 Jun 2024 Mortgage Agency Services Number Five Limited UpheldMortgagesDRN-4864008 The complaint Mr and Mrs D complain that Mortgage Agency Services Number Five Limited (MAS5) unfairly increased the interest rate on their mortgage, meaning they were overcharged interest over many years. They complain it’s taken advantage of them because they’re unable to move... (7 pages)View decision -
Decision Reference DRN-4615842
20 Jun 2024 Lex Autolease Ltd UpheldConsumer CreditDRN-4615842 The complaint Mr E complains about a car he got under a consumer hire agreement with Lex Autolease Ltd. He says that over time the car has presented significant problems and this has caused him to lose confidence in it, along with unsuccessful efforts to fix the car. He is also... (4 pages)View decision
