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-4898126
12 Aug 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4898126 Complaint Mr M has complained about the overdraft charges Bank of Scotland plc (trading as “Halifax”) applied to his current accounts. Mr M is being represented in his complaint by a claims management company (“CMC”). The CMC has said the charges applied to Mr M’s accounts... (4 pages)View decision -
Decision Reference DRN-4958958
12 Aug 2024 Oodle Financial Services Limited Not upheldConsumer CreditDRN-4958958 Complaint Mr P complains that Oodle Financial Services Limited (trading as “Oodle” Car Finance) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable and he wasn’t asked to provide bank statements o... (3 pages)View decision -
Decision Reference DRN-4910112
12 Aug 2024 FirstRand Bank Limited Not upheldConsumer CreditDRN-4910112 Complaint Mr H complains that First Rand Bank Limited (trading as “MotoNovo” Finance) unfairly entered into a hire-purchase agreement with him. He’s said the payments to his agreement were unaffordable. Background In June 2018, MotoNovo provided Mr H with finance for a used... (3 pages)View decision -
Decision Reference DRN-4920741
12 Aug 2024 Next Retail Limited Not upheldConsumer CreditDRN-4920741 Complaint Mrs B has effectively complained that Next Retail Limited (trading as “Next” Online) irresponsibly provided her with a catalogue shopping account and limit increases despite the fact that they were unaffordable. Background This complaint is about a catalogue shopp... (4 pages)View decision -
Decision Reference DRN-4949493
12 Aug 2024 Secure Trust Bank Plc Not upheldConsumer CreditDRN-4949493 Complaint Mr S complains that Secure Trust Bank (trading as “Moneyway”) unfairly entered into a hire- purchase agreement with him. He’s said that the agreement was unaffordable. Background In November 2019, Moneyway provided Mr S with finance for a used car. The cash price ... (3 pages)View decision -
Decision Reference DRN-4947225
12 Aug 2024 Madison CF UK Limited Not upheldConsumer CreditDRN-4947225 Complaint Mr T has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to him. He says that 118118 Money ought to have known that he was constantly using his large overdraft and other credit cards and therefore ought to have known the loan wa... (3 pages)View decision -
Decision Reference DRN-4813726
11 Aug 2024 The National Farmers' Union Mutual Insurance Society Limited UpheldInsuranceDRN-4813726 The complaint Mr E complains that The National Farmers’ Union Mutual Insurance Society Limited (“NFU”) unfairly declined a claim for subsidence damage. What happened In 2020, Mr E took out a home insurance policy with NFU. He’d owned the property for some time and he’d had i... (3 pages)View decision -
Decision Reference DRN-4813119
11 Aug 2024 MBNA Limited Not upheldBanking and PaymentsDRN-4813119 The complaint Mr S complains that he was charged interest on purchases made using his MBNA Limited credit card. What happened In June 2023 Mr S applied for a MBNA credit card with a promotional offer of 0% interest on purchases for 22 months. Mr S used the card and made the ... (2 pages)View decision -
Decision Reference DRN-4536948
11 Aug 2024 Spreadex Limited Not upheldInvestmentsDRN-4536948 The complaint Mr R complains that Spreadex Limited unfairly closed out a number of his positions because of a margin call. Mr R would now like Spreadex to reinstate the positions at their original levels and have any resulting losses refunded. What happened Mr R has held a ... (6 pages)View decision -
Decision Reference DRN-4797468
10 Aug 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4797468 The complaint Mr T is unhappy that his transactions using Apple Pay which was linked to his account with Lloyds Bank PLC were declined whilst he was abroad. What happened Mr T experienced problems making payments whilst travelling abroad. He was using the contactless facilit... (2 pages)View decision
