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 385222 results
-
Decision Reference DRN-5465042
9 Apr 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5465042 The complaint Mr R complains about how National Westminster Bank Public Limited Company (NatWest) dealt with his claim for money back, in relation to a car bought on his credit card. Mr R is represented in bringing this complaint by his daughter, for ease I’ll refer to all ... (3 pages)View decision -
Decision Reference DRN-5266925
9 Apr 2025 Lenvi Servicing Limited Not upheldMortgagesDRN-5266925 The complaint Mr L and Mr M complain that Lenvi Servicing Limited (Lenvi) has asked them to pay back 40% of the full sale price of their property to redeem their Help to Buy: Equity Loan (the loan), instead of the valuation figure which was lower. They say that they agreed t... (4 pages)View decision -
Decision Reference DRN-5214317
9 Apr 2025 Black Horse Limited Not upheldConsumer CreditDRN-5214317 The complaint Mr G complains about the quality of a car he has been financing through an agreement with Black Horse Limited (Black Horse). What happened Mr G took receipt of a used car in December 2022. He financed the deal through a hire purchase agreement with Black Horse.... (3 pages)View decision -
Decision Reference DRN-5402678
9 Apr 2025 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-5402678 The complaint Ms B has a number of complaints related to her credit cards with American Express Services Europe Limited (‘AESEL’) including that it failed to correctly set up a direct debit for her. What happened Ms B has had credit cards with AESEL for a number of years inc... (4 pages)View decision -
Decision Reference DRN-4833851
9 Apr 2025 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4833851 The complaint Mr H is unhappy that Lloyds has decided not to refund him after he was the victim of an investment scam. What happened In October 2020, Mr H invested in an unregulated company (“K”). It claimed to be involved in providing short-term bridging loans to UK proper... (4 pages)View decision -
Decision Reference DRN-4948409
9 Apr 2025 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-4948409 The complaint Mr N is complaining that Santander Consumer (UK) Plc (“SCF”) misrepresented a vehicle they supplied to him. What happened In April 2021, Mr N entered into a conditional sale agreement with SCF to acquire a car. The agreement states the deposit was £2,201 and Mr... (4 pages)View decision -
Decision Reference DRN-4721556
9 Apr 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-4721556 The complaint Mr B complains that Revolut Ltd has declined to refund disputed transactions that were made from his account. What happened On 6 December 2023, three transactions totalling £810.38 debited Mr B’s account to an online payment processing company. When Mr B discov... (3 pages)View decision -
Decision Reference DRN-5325605
9 Apr 2025 Loans 2 Go Limited Not upheldConsumer CreditDRN-5325605 The complaint Ms S complains Loans 2 Go Limited (Loans 2 Go) acted irresponsibly when it provided a loan to her when she was already struggling financially. What happened Ms S says Loans 2 Go provided her with a loan of £500 in January 2020 repayable over 78 weeks, at a time... (3 pages)View decision -
Decision Reference DRN-5439348
9 Apr 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5439348 The complaint Mr B complains that the overdraft charges Santander UK Plc applied to his account were unaffordable and contributed to his financial difficulties. What happened Mr B held a Santander current account which had an associated overdraft with a limit of £1,000. In... (3 pages)View decision -
Decision Reference DRN-5411827
9 Apr 2025 Gain Credit LLC Not upheldConsumer CreditDRN-5411827 The complaint Mr H complains that Gain Credit LLC trading as Drafty (“Drafty”) gave him a line of credit without carrying out the appropriate affordability checks. For ease, in my decision I will refer to Mr H when talking about him or his representative. What happened Mr ... (4 pages)View decision
