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 362716 results
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Decision Reference DRN-4783198
10 Jun 2024 Blue Motor Finance Ltd UpheldConsumer CreditDRN-4783198 The complaint Mr M complains that a car acquired with finance from Blue Motor Finance (“BMF”) Ltd wasn’t of satisfactory quality. What happened In November 2023 Mr M was supplied with a car and entered into a hire purchase agreement with BMF. At the point of sale, the car was a... (4 pages)View decision -
Decision Reference DRN-4803541
10 Jun 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4803541 The complaint Mr M complains that Bank of Scotland plc trading as Halifax unfairly continued to provide him with an overdraft and applied charges to this when he was in financial difficulty. He says this caused him stress and affected his health. He doesn’t accept that Halifax’... (2 pages)View decision -
Decision Reference DRN-4819612
10 Jun 2024 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-4819612 The complaint Mr M has complained, through a claims management company (“CMC”), about Creation Consumer Finance Ltd’s (‘Creation’) response to a claim he made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’). What happened In May 2014, Mr M bought a solar p... (4 pages)View decision -
Decision Reference DRN-4545608
10 Jun 2024 Quilter Cheviot Limited Not upheldPensions and AnnuitiesDRN-4545608 The complaint Ms R has a Self-Invested Personal Pension (‘SIPP’) that she has owned from its outset. In addition, she has a SIPP she inherited from her late husband. The former will be referred to as ‘SIPP1’ and the latter as ‘SIPP2’. Her complaint against Quilter Cheviot Limit... (10 pages)View decision -
Decision Reference DRN-4554545
10 Jun 2024 Close Brothers Limited Not upheldConsumer CreditDRN-4554545 The complaint Mr C is unhappy that a car supplied to him under a conditional sale agreement with Close Brothers Limited, trading as Close Brothers Motor Finance, was of an unsatisfactory quality. What happened In March 2022, Mr C was supplied with a used car through a condition... (3 pages)View decision -
Decision Reference DRN-4728728
10 Jun 2024 Hedgehog Limited Not upheldInsuranceDRN-4728728 The complaint Miss B complains about how Hedgehog Limited, an insurance intermediary, handled her motor insurance policy. What happened In summary, in December 2023, Miss B searched for a motor insurance policy on an online comparison site and selected Hedgehog. Hedgehog is an ... (3 pages)View decision -
Decision Reference DRN-4844637
10 Jun 2024 National Westminster Bank Plc UpheldConsumer CreditDRN-4844637 The complaint Mr and Mrs H are complaining about National Westminster Bank Plc because they say it acted irresponsibly when giving them a loan they couldn’t afford. What happened Following their application, in March 2023, NatWest gave Mr and Mrs H a loan for £23,850. It was re... (3 pages)View decision -
Decision Reference DRN-3778009
10 Jun 2024 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-3778009 The complaint Mr L’s complaint is, in essence that Clydesdale Financial Services Limited, trading as Barclays Partner Finance, acted unfairly and unreasonably by: (1) participating in an unfair credit relationship with him under Section 140A of the Consumer Credit Act 1974; and... (8 pages)View decision -
Decision Reference DRN-4694948
10 Jun 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4694948 The complaint Mr N is unhappy that Santander UK Plc made mistakes and blocked him when he’s tried to set up an electronic payment wallet. What happened Mr N made several attempts to set up the wallet. But on each occasion, he encountered a problem. When Mr N contacted Santander... (2 pages)View decision -
Decision Reference DRN-4844605
10 Jun 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4844605 The complaint Mrs H is complaining about National Westminster Bank Plc because she says it acted irresponsibly when giving her a credit card she couldn’t afford and then increasing the credit limit. What happened In June 2021, following her application, Mrs H was approved for a... (4 pages)View decision
