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 369227 results
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Decision Reference DRN-4823985
14 Aug 2024 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-4823985 Complaint Mr K has complained about the quality of a car that BMW Financial Services (GB) Limited (“BMW FS”) supplied to him through a hire-purchase agreement. Background In August 2023, BMW FS provided Mr K with finance for a used car. The car was just under four years old... (5 pages)View decision -
Decision Reference DRN-4964602
14 Aug 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4964602 The complaint Mr M is unhappy with a car supplied under a hire purchase agreement provided by Zopa Bank Limited. What happened In January 2023 Mr M acquired a used car financed by a hire purchase agreement provided by Zopa. The car cost £11,290 and was just under nine years ... (5 pages)View decision -
Decision Reference DRN-4934421
14 Aug 2024 Quidie Limited Not upheldConsumer CreditDRN-4934421 The complaint Ms F complains that Quidie Limited trading as Fernovo online lending (Fernovo) lent to her irresponsibly. What happened Ms F took two loans with Quidie. This brief loan table gives a few details. Loan Approved Amount Repayments Total to pay Repaid 1 7 October 2... (3 pages)View decision -
Decision Reference DRN-4885139
14 Aug 2024 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-4885139 The complaint Ms S complains about Admiral Insurance (Gibraltar) Limited (“AIL”) and the way they handled the claim she made on her motor insurance policy. What happened The claim and complaint circumstances are well known to both parties. So, I don’t intend to list them chr... (4 pages)View decision -
Decision Reference DRN-4922776
14 Aug 2024 AXA Insurance UK Plc Not upheldInsuranceDRN-4922776 The complaint Mrs C complains about AXA Insurance UK Plc (“AXA”) and their decision to settle a claim made against her motor insurance policy by a third party. Mrs C also complains about AXA’s failure to notify her of the potential claim in a reasonable time frame. What happ... (3 pages)View decision -
Decision Reference DRN-4502475
14 Aug 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4502475 The complaint Ms D complains that Lloyds Bank PLC (‘Lloyds’) won’t refund the money she lost after falling victim to a scam. What happened In 2021, Ms D was recommended an investment by a friend. I’ll refer to the investment company as S. Ms D says her friend had invested w... (5 pages)View decision -
Decision Reference DRN-4964553
14 Aug 2024 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-4964553 The complaint Mr B has complained about Mitsubishi HC Capital UK Plc’s (‘Mitsubishi’) response to a claim he made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’) and in relation to allegations of an unfair relationship taking in to account Section 140.A... (8 pages)View decision -
Decision Reference DRN-4964541
14 Aug 2024 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-4964541 The complaint Mr G has complained about Mitsubishi HC Capital UK Plc’s (‘Mitsubishi’) response to a claim he made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’) and in relation to allegations of an unfair relationship taking in to account Section 140.A... (8 pages)View decision -
Decision Reference DRN-4622611
14 Aug 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4622611 The complaint Mr P complains that Santander UK Plc (‘Santander’) won’t refund the money he lost when he was the victim of a scam. What happened Mr P’s neighbour told him about an investment he had with a company I’ll refer to in this decision as Q. His neighbour had already... (6 pages)View decision -
Decision Reference DRN-4936160
14 Aug 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4936160 Complaint Miss M complains that Moneybarn No.1 Ltd (“Moneybarn”) unfairly entered into a conditional-sale agreement with her. She’s said the agreement was unaffordable for her. Background In August 2021, Moneybarn provided Miss M with finance for a used car. The cash price ... (3 pages)View decision
