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 362195 results
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Decision Reference DRN-4826703
31 May 2024 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-4826703 The complaint Mr P complains that Creation Consumer Finance Ltd have recorded adverse information on his credit file in relation to a loan he had with it. What happened I previously issued my provisional decision on this case. It was my intention to come to the same outcome as ... (3 pages)View decision -
Decision Reference DRN-4577352
31 May 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4577352 The complaint Mr C complains that Monzo Bank Ltd (Monzo) is refusing to refund him the amount he lost as the result of a scam. Mr C is being represented by a third party. To keep things simple, I will refer to Mr C throughout my decision. What happened The background of this co... (3 pages)View decision -
Decision Reference DRN-4705232
31 May 2024 N.I.I.B. Group Limited UpheldConsumer CreditDRN-4705232 The complaint Miss S complains about the quality of a car she has been financing through an agreement with N.I.I.B. Group Limited, trading as Northridge Finance (who I’ll call Northridge). What happened The details of this complaint are well known to both parties, so I won’t re... (3 pages)View decision -
Decision Reference DRN-4824113
31 May 2024 POLICY EXCESS INSURE LTD Not upheldInsuranceDRN-4824113 The complaint Miss C’s complaint is about the service she received in relation to a gadget insurance policy she had taken out through POLICY EXCESS INSURE LTD trading as Nova Direct (‘PEX’), who arranged the insurance. What happened Miss C’s complaint is that she set up an acco... (3 pages)View decision -
Decision Reference DRN-4422929
31 May 2024 The Mortgage Works (UK) Plc UpheldMortgagesDRN-4422929 The complaint Mr F complains that The Mortgage Works (UK) Plc (“TMW”) unfairly declined his application for a term extension on his buy-to-let (“BTL”) mortgage. What happened Mr F took out a BTL mortgage in 2008 with a previous lender. He borrowed around £147,000 (inclusive of ... (5 pages)View decision -
Decision Reference DRN-4774392
31 May 2024 Revolut Ltd Not upheldBanking and PaymentsDRN-4774392 The complaint E complains that Revolut Ltd (Revolut) is refusing to refund it the amount it lost as the result of a scam. What happened The background of this complaint is well known to all parties, so I won’t repeat what happened in detail. In summary, E received a notificatio... (2 pages)View decision -
Decision Reference DRN-4554866
31 May 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4554866 The complaint Mrs A complains that Monzo Bank Ltd (Monzo) is refusing to refund her the amount she lost as the result of a scam. What happened The background of this complaint is well known to all parties, so I won’t repeat what happened in detail. In summary, Mrs A was selling... (2 pages)View decision -
Decision Reference DRN-4819503
31 May 2024 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-4819503 Complaint Mr W complains that Blue Motor Finance Ltd (“BMF”) unfairly entered into a hire-purchase agreement with him. He’s said that the agreement was unaffordable. Background In January 2020, BMF provided Mr W with finance for a used car. The cash price of the vehicle was £2,... (3 pages)View decision -
Decision Reference DRN-4799196
31 May 2024 Family Finance Limited Not upheldConsumer CreditDRN-4799196 Complaint Miss R complains that Family Finance Limited (“Family Finance”) unfairly entered into a hire- purchase agreement with her. She’s effectively said that the payments to the agreement were unaffordable and so it shouldn’t have been provided to her. Background In November... (4 pages)View decision -
Decision Reference DRN-4813925
31 May 2024 Chetwood Financial Limited Not upheldBanking and PaymentsDRN-4813925 Complaint Miss F has complained about a credit card Chetwood Financial Limited (trading as “Wave”) provided to her. She says the credit card was irresponsibly provided to her she already had substantial debt which she was struggling to make payments to. Background Wave provided... (4 pages)View decision
