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 375868 results
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Decision Reference DRN-5772620
26 Aug 2025 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5772620 The complaint Ms S’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (‘the Lender’), acted unfairly and unreasonably by: (1) Being party to an unfair credit relationship with her under Section 140A of the Consumer Cred... (3 pages)View decision -
Decision Reference DRN-5283893
26 Aug 2025 Interactive Investor Services Limited Not upheldPensions and AnnuitiesDRN-5283893 The complaint Mr D is unhappy that Interactive Investor Services Limited trading as Interactive Investor (ii) did not provide him with sufficient notice that one of his investments was to be liquidated to allow him to sell his investment before the liquidation. He believes t... (4 pages)View decision -
Decision Reference DRN-5669667
26 Aug 2025 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-5669667 The complaint Mr W complains Shop Direct Finance Company Limited (“Shop Direct”) unfairly declined his section 75 Consumer Credit Act 1974 (“section 75”) claim for an armchair he says is faulty. What happened As the facts are well-known to both parties, I’ve only set out th... (3 pages)View decision -
Decision Reference DRN-5700466
26 Aug 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5700466 The complaint Ms S complains Cabot Credit Management Group Limited trading as Cabot Financial (Europe) Limited don’t have a contract to ask her to repay accounts they’re contacting her about. What happened Ms S has three accounts which Cabot are currently responsible for ser... (3 pages)View decision -
Decision Reference DRN-5450611
26 Aug 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5450611 The complaint Mr F says Moneybarn No. 1 Limited (‘Moneybarn’), irresponsibly lent to him. He says that it didn’t make proportionate checks to ensure he could afford the repayments towards a conditional sale agreement to purchase a car. He says that the agreement wasn’t affor... (4 pages)View decision -
Decision Reference DRN-5309631
26 Aug 2025 Amazon Payments UK Limited Not upheldBanking and PaymentsDRN-5309631 The complaint A company, which I’ll refer to as N, complains that it was charged wrongly for VAT services as a result of failings by Amazon Payments UK Limited (“APUK”). What happened N is a seller on Amazon. It signed up for a related subscription facility in respect of VAT... (3 pages)View decision -
Decision Reference DRN-5716568
26 Aug 2025 QUILTER FINANCIAL SERVICES LIMITED UpheldInvestmentsDRN-5716568 The complaint Mr and Mrs S complain about the advice they received from Quilter Financial Services Limited (‘Quilter’) to invest in a unit-trust based investment. They also say they did not receive adequate ongoing advice reviews to ensure continued suitability of the advice... (9 pages)View decision -
Decision Reference DRN-5759738
26 Aug 2025 Salary Finance Loans Limited UpheldConsumer CreditDRN-5759738 The complaint Miss P complains that Salary Finance Loans Limited (‘SFL’) didn’t communicate fairly with her or adequately support her during a period of financial difficulty. Miss P complains that SFL reported adverse information to her credit file and caused her significant... (5 pages)View decision -
Decision Reference DRN-5756155
26 Aug 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5756155 The complaint Mrs G is unhappy with several aspects of the service provided to her by Barclays Bank UK PLC and feels that her credit card account was closed without her consent. What happened Mrs G had difficulty registering her credit card on Barclays mobile banking app. I... (3 pages)View decision -
Decision Reference DRN-5511603
26 Aug 2025 Aviva UK Digital Limited Not upheldInsuranceDRN-5511603 The complaint Mr H complains about how Aviva UK Digital Limited T/A Quotemehappy.com handled a claim he made under his home emergency insurance following his boiler breaking down. He believes he was mis-sold home emergency insurance. What happened On 27 June 2024, Mr H used... (4 pages)View decision
