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 380824 results
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Decision Reference DRN-5060451
15 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5060451 The complaint Miss D complains that Vanquis Bank Limited lent to her irresponsibly. What happened Miss D applied for a credit card with Vanquis in January 2022. Vanquis approved the application and gave Miss D a credit card with an initial credit limit of £1000. In May 2022 ... (3 pages)View decision -
Decision Reference DRN-4868611
15 Oct 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4868611 Complaint Mr B has complained about the quality of a car that Moneybarn No.1 Limited (“Moneybarn”) supplied to him through a conditional sale agreement. Background In October 2023, Moneybarn provided Mr B with finance for a used car. The car was approximately seven years ol... (5 pages)View decision -
Decision Reference DRN-5010015
15 Oct 2024 Wakam Not upheldInsuranceDRN-5010015 The complaint Mrs T complains about Wakam for declining her claim for her dog’s dental treatment. She wants Wakam to settle the claim and to compensate her for distress and inconvenience. What happened Mrs T has two dogs, which she has insured for several years. She previous... (3 pages)View decision -
Decision Reference DRN-5080980
15 Oct 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5080980 The complaint Mr H complains that HSBC UK Bank Plc unfairly registered a marker about him at Cifas, the national fraud database. What happened Mr H had an account with HSBC. On 16 January 2024, a payment of £1,000 was made into Mr H’s account, from an individual I will ref... (3 pages)View decision -
Decision Reference DRN-4870660
15 Oct 2024 Citygate Automotive Ltd UpheldConsumer CreditDRN-4870660 The complaint Mr P complains about Citygate Automotive Ltd trading as Citygate SKODA Slough (“Citygate Skoda’s”) involvement in setting up a hire agreement for a car. What happened In June 2023 Mr P ordered a brand-new car from Citygate Skoda. The car was going to be supplie... (4 pages)View decision -
Decision Reference DRN-5069810
15 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5069810 The complaint Mr A, through a representative, says NewDay Ltd, trading as Marbles, irresponsibly lent to him. What happened Mr A applied for a credit card from NewDay in August 2017. It was approved with a limit of £900. This was decreased to £600 in November 2017. He was th... (4 pages)View decision -
Decision Reference DRN-5012272
15 Oct 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-5012272 The complaint Ms M complaints that Santander UK Plc have not refunded the money that she lost when she was the victim of a scam. What happened The details of this complaint are well known to both parties so I will not go into every detail of what happened here. But in summar... (3 pages)View decision -
Decision Reference DRN-4952513
15 Oct 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4952513 The complaint Mrs H has complained that an error by Bank of Scotland plc, trading as Halifax, has caused her to lose a court case and have to repay a third party over £39,000. What happened On 17 February 2021 £25,265.06 was paid into Mrs H’s Halifax account. She didn’t reco... (2 pages)View decision -
Decision Reference DRN-5010876
15 Oct 2024 Liverpool Victoria Insurance Company Limited Not upheldInsuranceDRN-5010876 The complaint Mr J (represented by Mr T) complains about how Liverpool Victoria Insurance Company Limited (LV) dealt with a claim on his motor insurance from a third party when a family member was driving his car without insurance cover. What happened Mr J had motor insuranc... (2 pages)View decision -
Decision Reference DRN-4874953
15 Oct 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4874953 The complaint Miss B has complained HSBC UK Bank plc won’t refund money she lost as the result of an investment scam. What happened In mid-2023 after using social media, Miss B decided to take up an investment opportunity. She started using a trading platform and making trad... (3 pages)View decision
