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 360982 results
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Decision Reference DRN-5318700
17 Feb 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5318700 The complaint Ms H complains the communication from Cabot Credit Management Group Limited trading as Cabot Financial (Europe) Limited is causing her significant distress. What happened Ms H had a loan with a company I’ll refer to as L. She’s said during a particularly vulne... (4 pages)View decision -
Decision Reference DRN-5298723
17 Feb 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5298723 Complaint Miss H has complained that Bank of Scotland plc (trading as “Halifax”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that this was irresponsible and caused her to pay a significant amount of interest going forwa... (12 pages)View decision -
Decision Reference DRN-5022047
17 Feb 2025 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-5022047 The complaint Mr L complains that National Westminster Bank Plc (‘NatWest’) won’t refund money he says was lost after falling victim to a scam. What happened In May 2022, Mr L made payments to purchase a holiday lodge, which would be let out on his behalf. Mr L purchased th... (4 pages)View decision -
Decision Reference DRN-5334779
17 Feb 2025 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-5334779 The complaint Mr S’s complaint is, in essence, that Mitsubishi HC Capital UK Plc trading as Hitachi Personal Finance acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 1974 (as amended) (... (18 pages)View decision -
Decision Reference DRN-5294473
17 Feb 2025 Experian Limited Not upheldConsumer CreditDRN-5294473 The complaint Mrs M complains Experian Limited have incorrectly added an account to her credit file having implications for her financially. What happened As I understand it another company, who I’ll refer to as T, opened an account in a name with one letter different from M... (3 pages)View decision -
Decision Reference DRN-5272913
17 Feb 2025 U K Insurance Limited UpheldInsuranceDRN-5272913 The complaint Mr K complains about the handling of his motor insurance claim by U K Insurance Limited trading as Churchill. (‘UKI’). Much of Mr K’s dissatisfaction is directed at agents acting on behalf of UKI. As UKI accept they’re responsible for the actions of their appoi... (4 pages)View decision -
Decision Reference DRN-5285109
17 Feb 2025 Experian Limited Not upheldConsumer CreditDRN-5285109 The complaint Mrs L complains Experian Limited allowed a search on her credit file when they shouldn’t have done. What happened Following an unrelated incident, Mrs L took out an enhanced identity theft Experian service. On 29 July 2024 a company I’ll call T carried out a se... (2 pages)View decision -
Decision Reference DRN-5307505
17 Feb 2025 Shawbrook Bank Limited UpheldConsumer CreditDRN-5307505 The complaint Mr and Mrs G’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2)... (14 pages)View decision -
Decision Reference DRN-5334814
17 Feb 2025 TRANSUNION INTERNATIONAL UK LIMITED Not upheldConsumer CreditDRN-5334814 The complaint Mrs S complains TransUnion International UK Limited trading as TransUnion (TU) incorrectly added other people’s information to her credit file. What happened Mrs S contacted us in November 2024 to say for several months she’d been in discussions with TU about ... (3 pages)View decision -
Decision Reference DRN-5251576
17 Feb 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5251576 The complaint Mr H complains that Bank of Scotland plc trading as Halifax blocked his credit card, and he couldn’t resolve this while he was overseas. What happened Mr H says that while he was overseas his Halifax Clarity credit card was blocked due to potential fraud concer... (4 pages)View decision
