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 365360 results
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Decision Reference DRN-4670578
10 Apr 2024 National Savings and Investments UpheldInvestmentsDRN-4670578 The complaint Ms T complains about the very poor service National Savings and Investments (NS&I) provided when she wanted to encash part of her premium bond holding. Ms T says that due to the delays on NS&I’s part, she missed out on the opportunity to buy a second hand ... (4 pages)View decision -
Decision Reference DRN-4414216
10 Apr 2024 Honeycomb Finance Limited Not upheldConsumer CreditDRN-4414216 The complaint Miss W complains that a timeshare product was misrepresented to her and that the timeshare company is in breach of contract. The purchase was financed with credit provided by Honeycomb Finance Limited (“Honeycomb”). Because Honeycomb financed the purchase, Miss W ... (6 pages)View decision -
Decision Reference DRN-4550091
10 Apr 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4550091 The complaint Mr C, via a third party, complains that Moneybarn No. 1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He says that due to his personal and financial circumstances at the relevant time the agreement was unaffordable. What happen... (3 pages)View decision -
Decision Reference DRN-4676729
10 Apr 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4676729 The complaint Mr R, via a third party, complains that Moneybarn No. 1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He says that due to his personal and financial circumstances at the relevant time the agreement was unaffordable. What happen... (2 pages)View decision -
Decision Reference DRN-4730047
10 Apr 2024 Tandem Personal Loans Ltd Not upheldConsumer CreditDRN-4730047 The complaint Mr H complains that a timeshare product was misrepresented to him. The purchase was financed with credit provided by Honeycomb Finance Limited (“Honeycomb”). That loan has now been transferred to Oplo PL Ltd, but for ease of reference I’ll refer to the lender as H... (3 pages)View decision -
Decision Reference DRN-4675533
10 Apr 2024 Ecclesiastical Insurance Office Plc Not upheldInsuranceDRN-4675533 The complaint N has complained about the premium it was charged and an excess that was applied to its Residential Property Insurance policy with Ecclesiastical Insurance Office Plc at its renewal in August 2022. N is represented by Mrs P, who is a director. What happened N suff... (3 pages)View decision -
Decision Reference DRN-4733760
10 Apr 2024 Bamboo Limited UpheldConsumer CreditDRN-4733760 The complaint Mr L complains that Bamboo Limited (“Bamboo”) gave him a loan which was unaffordable for him and therefore lent irresponsibly. What happened In January 2023 Mr L took out a loan from Bamboo for £10,000. This was to be repaid over 60 months, at monthly repayment of... (4 pages)View decision -
Decision Reference DRN-4729927
10 Apr 2024 Tandem Personal Loans Ltd Not upheldConsumer CreditDRN-4729927 The complaint Mr D complains, in summary, that a timeshare product was misrepresented to him. The purchase was financed with a loan provided by Honeycomb Finance Limited (“Honeycomb”). That loan has now been transferred to Oplo PL Ltd, but for ease of reference I’ll refer to th... (5 pages)View decision -
Decision Reference DRN-4722269
10 Apr 2024 Tandem Personal Loans Ltd Not upheldConsumer CreditDRN-4722269 The complaint Mr T says Tandem Personal Loans Ltd irresponsibly lent to him. What happened Mr T had two unsecured personal loans from Tandem. Loan 1 was taken out in October 2017 and was for £3,000 over 36 months. The monthly repayments were £120.54. Loan 2 was taken out in Apr... (4 pages)View decision -
Decision Reference DRN-4716956
10 Apr 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4716956 The complaint Miss N complains that HSBC UK Bank Plc (HSBC) won’t refund money she lost in an impersonation scam. What happened What Miss N says: On 29 September 2023, Miss N got an email which purported to be from her manager where she worked. It asked her to buy eight gift ca... (3 pages)View decision
