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 370149 results
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Decision Reference DRN-4918249
29 Jul 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4918249 Complaint Mr L complains that Moneybarn No. 1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the payments to the agreement were unaffordable so he should not have been lent to. Background In March 2019, Moneybarn provided M... (4 pages)View decision -
Decision Reference DRN-4905906
29 Jul 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4905906 Complaint Mr B has complained about the overdraft charges Bank of Scotland plc (trading as “Halifax”) applied to his current account. He’s said the charges were unfair as there was a failure to take account his patterns of reliance on debt and hardcore borrowing. In Mr B’s v... (4 pages)View decision -
Decision Reference DRN-4813688
29 Jul 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-4813688 Complaint Mrs M complains that Startline Motor Finance Limited (“Startline”) unfairly entered into a hire-purchase agreement with her. She’s said the monthly payments to the agreement were unaffordable and so she shouldn’t have been accepted for it. Background In October 20... (4 pages)View decision -
Decision Reference DRN-4907971
29 Jul 2024 Startline Motor Finance Limited Not upheldConsumer CreditDRN-4907971 Complaint Miss S complains that Startline Motor Finance Limited (“Startline”) unfairly entered into a hire-purchase agreement with her. She’s said the monthly payments to the agreement were unaffordable and so she shouldn’t have been accepted for it. Background In January 2... (3 pages)View decision -
Decision Reference DRN-4898208
29 Jul 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4898208 Complaint Mr C complains that Moneybarn No.1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable. Background In January 2022, Moneybarn... (3 pages)View decision -
Decision Reference DRN-4819099
29 Jul 2024 Secure Trust Bank Plc Not upheldConsumer CreditDRN-4819099 Complaint Mr P 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 P with finance for a used car. The cash price ... (3 pages)View decision -
Decision Reference DRN-4835878
29 Jul 2024 J D Williams & Company Limited Not upheldConsumer CreditDRN-4835878 Complaint Mr R has complained that J D Williams & Company Limited (“J D Williams”) irresponsibly provided him with a catalogue shopping account and subsequent credit limits. Background This complaint is about a catalogue shopping account J D Williams initially provided ... (4 pages)View decision -
Decision Reference DRN-4795740
28 Jul 2024 Lloyds Bank General Insurance Limited Not upheldInsuranceDRN-4795740 The complaint Mr and Mrs G complain about the way Lloyds Bank General Insurance Limited (“Lloyds”) has handled a claim for subsidence. What happened In 2023, Mr and Mrs G made a claim under their home insurance policy with Lloyds, for subsidence at the back of their conserva... (2 pages)View decision -
Decision Reference DRN-4435923
28 Jul 2024 eToro (UK) Ltd UpheldInvestmentsDRN-4435923 The complaint Mr C complains about the way eToro (UK) Ltd (eToro) executed a number of his Contracts for Differences (CFD) trades. He says the errors caused him losses. What happened Mr C had a CFD trading account with eToro. In early 2022 he encountered issues with a number... (5 pages)View decision -
Decision Reference DRN-4801184
27 Jul 2024 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4801184 The complaint Mrs B on behalf of Mr B complains about how Bank of Scotland plc trading as Halifax dealt with an account transfer. What happened Mr B applied to transfer his Individual Savings Account (ISA) from Halifax to a different provider. The application was made in Mar... (3 pages)View decision
