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 362716 results
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Decision Reference DRN-4511493
14 Feb 2024 Apfin Ltd Not upheldConsumer CreditDRN-4511493 The complaint Mr C complains APFIN LTD trading as cashasap.co.uk (“Apfin”) provided him with a loan when he had a poor credit score and an outstanding County Court Judgement (CCJ). What happened Mr C was granted one loan on 26 July 2022 for £250. Mr C was due to make six monthl... (4 pages)View decision -
Decision Reference DRN-4572233
14 Feb 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4572233 Complaint Miss O has complained about a loan Zopa Bank Limited (“Zopa”) provided to her. She says the loan was unaffordable, because of her existing debt and financial position, so she shouldn’t have been lent to. Background Zopa provided Miss O with a loan for £8,000.00 in Dec... (3 pages)View decision -
Decision Reference DRN-4586544
14 Feb 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4586544 Complaint Miss C has complained about a credit card NewDay Ltd (trading as “Aqua”) provided to her. She says the credit card was irresponsibly provided to her and then her limit increased even after she was only making minimum payments. Background Aqua provided Miss C with a cr... (3 pages)View decision -
Decision Reference DRN-4306427
13 Feb 2024 Tandem Personal Loans Ltd Not upheldConsumer CreditDRN-4306427 The complaint Mr C complains that Tandem Personal Loans Limited won’t refund to him the money that he paid for some holiday club membership credits. He’s being represented in his complaint by a claims management company. What happened Mr C and his partner had bought a holiday p... (7 pages)View decision -
Decision Reference DRN-4325617
13 Feb 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4325617 The complaint Mr A has complained about how Barclays Bank UK PLC dealt with his claim for money back in relation to a purchase he’d made using his debit card. What happened The circumstances of the complaint are well known to the parties so I’m not going to go over everything a... (3 pages)View decision -
Decision Reference DRN-4428336
13 Feb 2024 Marks & Spencer Financial Services plc Not upheldBanking and PaymentsDRN-4428336 The Complaint Mrs F says that Marks and Spencer Financial Services Plc (the ‘Business’) didn’t act fairly or reasonably under certain provisions of the Consumer Credit Act 1974 (the ‘CCA’) in relation to a timeshare she purchased on 18 November 2013 (the ‘Time of Sale’) using a... (3 pages)View decision -
Decision Reference DRN-4490354
13 Feb 2024 HSBC UK Bank Plc Not upheldInsuranceDRN-4490354 The complaint Miss V has complained that HSBC UK Bank Plc mis-sold her credit card payment protection insurance (PPI). What happened In April 2019 HSBC sent Miss V its final response letter. It upheld the complaint and said that it was providing compensation for the single PPI ... (3 pages)View decision -
Decision Reference DRN-4619133
13 Feb 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4619133 The complaint Mrs R and Mr R complain about the way Barclays Bank UK PLC handled a chargeback claim. What happened The background facts are well known to the parties so I will only cover these briefly. Mrs R and Mr R purchased furniture from a retailer (‘the supplier’) using th... (6 pages)View decision -
Decision Reference DRN-4600434
13 Feb 2024 Mega Car Shop LTD UpheldConsumer CreditDRN-4600434 The complaint Mr P is unhappy Mega Car Shop Ltd (‘MCS’) failed to clear an existing finance agreement when they supplied him with a car under a conditional sale agreement. Mr P has been represented during the claim and complaint process by Mrs P. For ease of reference, I will ... (3 pages)View decision -
Decision Reference DRN-4620132
13 Feb 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4620132 The complaint Mr S has complained that Santander UK Plc registered a marker against him at CIFAS, the national fraud database. What happened In 2020, Mr S’s Santander accounts received the proceeds of fraud. The money was transferred between Mr S’s accounts using his online ban... (3 pages)View decision
