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 370904 results
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Decision Reference DRN-4916717
2 Sep 2024 Zurich Insurance PLC Not upheldInsuranceDRN-4916717 The complaint Mr S has complained that Zurich Insurance PLC discriminated against him due to his age in relation to an annual travel insurance policy. What happened Mr S has been annually renewing his travel insurance policy for a number of years. Upon renewal in 2023 it to... (2 pages)View decision -
Decision Reference DRN-4857833
2 Sep 2024 eBay Commerce UK Ltd Not upheldBanking and PaymentsDRN-4857833 The complaint Mr S complains eBay Commerce UK Ltd delayed a payment. What happened Mr S was looking to sell an item using eBay. Mr S called eBay and discussed the pay out to his bank account. eBay helped him add a new card and said the pay out should be the morning after t... (2 pages)View decision -
Decision Reference DRN-4876154
2 Sep 2024 Revolut Ltd Not upheldBanking and PaymentsDRN-4876154 The complaint Mrs A complains that Revolut Ltd (‘Revolut’) won’t refund the money she lost when she fell victim to a scam. What happened What Mrs A says Mrs A says that on the morning of 14 December 2023 she received a call from someone who said they were from the security ... (4 pages)View decision -
Decision Reference DRN-4996338
2 Sep 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4996338 Complaint Mr J has complained about a personal loan Zopa Bank Limited (“Zopa”) which he says it unfairly lent to him. He says his existing debts and poor credit score meant that this loan was unaffordable for him. Background Zopa also provided Mr J with finance to acquire ... (4 pages)View decision -
Decision Reference DRN-4985155
2 Sep 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4985155 Complaint Miss W 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 June 2022, Moneybarn provided Miss W with finance for a used car. The cash price of... (3 pages)View decision -
Decision Reference DRN-4972299
2 Sep 2024 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-4972299 Complaint Mr P complains that BMW Financial Services (GB) Limited (trading as “Alphera” Financial Services) unfairly entered into a hire purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable and he shouldn’t have been lent to. ... (4 pages)View decision -
Decision Reference DRN-4974719
2 Sep 2024 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-4974719 Complaint Mr D has complained about the quality of a car that BMW Financial Services (GB) Limited (trading as “Alphera” Financial Services) supplied to him through a hire-purchase agreement. Background In September 2023, Alphera provided Mr D with finance for a used car. Th... (6 pages)View decision -
Decision Reference DRN-4984289
2 Sep 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-4984289 Complaint Mr S has complained that Loans 2 Go Limited (“L2G”) unfairly provided him with unaffordable loans. Background L2G provided Mr S with a total of five loans. As far as I can see is Mr S’ loan history was as follows: Loan Taken Amount Term APR Payment Settled 1 Nove... (7 pages)View decision -
Decision Reference DRN-4995100
2 Sep 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4995100 Complaint Mr V has complained that Zopa Bank Limited (“Zopa”) irresponsibly provided him with a credit card, which it ought to have realised was unaffordable for him. Background In November 2021, Zopa provided Mr V with a credit card which had a limit of £400. Mr V’s credit... (3 pages)View decision -
Decision Reference DRN-4988423
2 Sep 2024 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-4988423 Complaint Mr K complains that BMW Financial Services (GB) Limited (trading as “Alphera” Financial Services) unfairly entered into a hire purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Background In March 2019, Alphera p... (3 pages)View decision
