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 371633 results
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Decision Reference DRN-4413734
3 Sep 2024 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-4413734 The complaint Mrs W complains that Shop Direct Finance Company Limited acted irresponsibly in offering her a catalogue shopping account that was unaffordable for her. What happened Mrs W opened an account with Shop Direct under its Very brand in August 2012. The credit limi... (4 pages)View decision -
Decision Reference DRN-4986237
3 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4986237 The complaint Miss C complains that NewDay Limited, trading as Aqua, lent to her irresponsibly when it increased the credit limit on her credit card and that the credit was unaffordable for her. What happened Miss C applied to New Day for an Aqua credit card in November 2020... (4 pages)View decision -
Decision Reference DRN-4885089
3 Sep 2024 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-4885089 The complaint Miss W is unhappy that a car supplied to her under a hire purchase agreement with BMW Financial Services (GB) Limited trading as Alphera Financial Services (‘BMWFS’) was misrepresented. What happened In February 2019, Miss W was supplied with a used car throug... (4 pages)View decision -
Decision Reference DRN-4660864
3 Sep 2024 Go Car Credit Limited Not upheldConsumer CreditDRN-4660864 The complaint Miss M is unhappy about the quality of a car supplied to her under a hire purchase agreement with Go Car Credit Limited (GCC). When I refer to what Miss M has said and what GCC have said, it should also be taken to include things said on their behalf. What ha... (3 pages)View decision -
Decision Reference DRN-4998915
3 Sep 2024 Loans 2 Go Limited Not upheldConsumer CreditDRN-4998915 The complaint Mr S says Loans 2 Go Limited irresponsibly lent to him. What happened Mr S took out an 18-month instalment loan for £1,500 from Loans 2 Go on 29 November 2019. The monthly repayments were £342.83 and the total repayable was £6,170.94. Mr S settled his loan earl... (3 pages)View decision -
Decision Reference DRN-4966911
3 Sep 2024 Charterhouse Claims Limited Not upheldClaims ManagementDRN-4966911 The complaint Mr M complains about Charterhouse Claims Limited (“CCL”) and the settlement fee they are charging following a successful unaffordable lending claim against his lender, who I’ll refer to as “B”. What happened The claim and complaint circumstances are well known ... (3 pages)View decision -
Decision Reference DRN-4927736
3 Sep 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4927736 The complaint Mr S complains that Barclays Bank UK PLC (‘Barclays’) took too long to release his funds after closing his account. What happened Mr S had a current account provided by Barclays. He told us it was his main bank account but not his only bank account. On 10 Novem... (3 pages)View decision -
Decision Reference DRN-4860307
3 Sep 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4860307 The complaint Mr S is unhappy that Lloyds Bank PLC defaulted his Bounce Back Loan and with the service he received from Lloyds surrounding this. What happened Mr S held several accounts with Lloyds, including a Bounce Back Loan (“BBL”). In July 2023, Lloyds defaulted Mr S’s ... (3 pages)View decision -
Decision Reference DRN-5000909
3 Sep 2024 Telefonica UK Limited UpheldConsumer CreditDRN-5000909 The complaint Ms T complains about a number of errors she says Telefonica UK Limited (‘Telefonica’) made in relation to a number of agreements she entered into with it in November 2021, including a fixed sum loan. What happened After attending a retail store on 7 November 2... (6 pages)View decision -
Decision Reference DRN-4914258
3 Sep 2024 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-4914258 The complaint Ms S complains about the way Mercedes-Benz Financial Services UK Limited (‘MBFS’) responded to her financial difficulties in respect of a hire purchase agreement she took out with it. What happened The parties are familiar with the background details of this co... (4 pages)View decision
