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 370902 results
-
Decision Reference DRN-4869116
22 Jul 2024 First Response Finance Ltd Not upheldConsumer CreditDRN-4869116 Complaint Mrs F complains that First Response Finance Ltd (“First Response”) unfairly entered into a hire-purchase agreement with her. She’s effectively said that the payments to the agreement were unaffordable and so it shouldn’t have been provided to her. Background In Au... (3 pages)View decision -
Decision Reference DRN-4910544
22 Jul 2024 MotoNovo Finance Limited Not upheldConsumer CreditDRN-4910544 Complaint Mr S complains that MotoNovo Finance Limited (“MotoNovo”) unfairly entered into a hire- purchase agreement with him. He’s said the payments to his agreement were unaffordable. Background In May 2021, MotoNovo provided Mr S with finance for a used car. The cash pri... (3 pages)View decision -
Decision Reference DRN-4903423
22 Jul 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4903423 Complaint Miss S 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 August 2018, Moneybarn provided Miss S with finance for a used car. The cash price... (3 pages)View decision -
Decision Reference DRN-4913079
22 Jul 2024 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4913079 Complaint Mr P complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said the monthly payments to this agreement were unaffordable bearing in mind his existing debts. Background In June 2018, SMF provided Mr... (5 pages)View decision -
Decision Reference DRN-4863651
22 Jul 2024 MotoNovo Finance Limited Not upheldConsumer CreditDRN-4863651 Complaint Mr H complains that MotoNovo Finance Limited (“MotoNovo”) unfairly entered into a hire- purchase agreement with him. He’s said the payments to his agreement were unaffordable. Background In June 2019, MotoNovo provided Mr H with finance for a used car. The cash pr... (4 pages)View decision -
Decision Reference DRN-4920692
21 Jul 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4920692 The complaint Mr C has complained about Creation Consumer Finance Ltd (‘Creation’)’s response to a claim he made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’) and in relation to allegations of an unfair relationship taking into account Section 140A (‘... (5 pages)View decision -
Decision Reference DRN-4920688
21 Jul 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4920688 The complaint Mr H has complained about Creation Consumer Finance Ltd (‘Creation’)’s response to a claim he made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’) and in relation to allegations of an unfair relationship taking into account Section 140A (‘... (5 pages)View decision -
Decision Reference DRN-4887494
21 Jul 2024 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-4887494 The complaint Mr and Mrs A complain that Admiral Insurance (Gibraltar) Limited (“Admiral”) unfairly declined their claim for damage caused by an escape of water. What happened Mr and Mrs A rent out a property which is covered by a landlord insurance policy with Admiral. Shor... (3 pages)View decision -
Decision Reference DRN-4920583
21 Jul 2024 Lemonade Insurance N.V. UpheldInsuranceDRN-4920583 The complaint Mr B is unhappy that Lemonade Insurance N.V. (Lemonade) declined his accidental damage claim. What happened I’ve set out a summary of what I think are the key events. Mr B bought insurance to cover accidental damage to his contents. The policy was in his name o... (3 pages)View decision -
Decision Reference DRN-4766704
21 Jul 2024 Lloyds Bank General Insurance Limited Not upheldInsuranceDRN-4766704 The complaint Mr and Mrs I are unhappy with the service provided by Lloyds Bank General Insurance Limited (LBG) during their escape of water claim. Mr and Mrs I jointly held buildings and contents insurance underwritten by LBG. For ease of reading, I’ll refer to just Mrs I t... (3 pages)View decision
