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-4717205
15 May 2024 Topaz Finance Limited Not upheldMortgagesDRN-4717205 The complaint Mr P complains that Topaz Finance Limited, trading as Heliodor Mortgages, bought his mortgage from a previous lender in 2019 and didn’t tell him at the time that it’s a closed book lender. As a result, he says that Heliodor is in breach of his mortgage contract an... (3 pages)View decision -
Decision Reference DRN-4694552
15 May 2024 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4694552 The complaint Mr T complains that Tesco Personal Finance PLC trading as Tesco Bank have overcharged him, and they’re providing misleading information on their website. What happened Mr T says that he was approved for a Tesco personal loan which he proceeded with, but he wanted ... (3 pages)View decision -
Decision Reference DRN-4793371
15 May 2024 RCI Financial Services Limited UpheldConsumer CreditDRN-4793371 The complaint Mrs P complains about the management and administration, by RCI Financial Services Limited trading as Mobilize Financial Services (“Mobilize), of a hire agreement (“agreement”) she entered into with it. What happened In October 2021 Mrs P entered into an agreement... (7 pages)View decision -
Decision Reference DRN-4770809
15 May 2024 ClearBank Limited UpheldBanking and PaymentsDRN-4770809 The complaint A limited company ‘I Ltd’ complains that ClearBank Limited didn’t do enough to prevent the loss it suffered when it fell victim to a ‘bank impersonation’ / ‘safe account’ scam. Mr T, I Ltd’s director has brought the complaint on its behalf and has used a represent... (6 pages)View decision -
Decision Reference DRN-4795273
15 May 2024 Vanquis Bank Limited UpheldConsumer CreditDRN-4795273 The complaint Mr R says Vanquis Bank Limited lent to him irresponsibly. What happened This complaint relates to a loan Vanquis agreed for Mr R. But in order to explain my decision, I also need to refer to his credit card account with Vanquis which has been the subject of a simi... (3 pages)View decision -
Decision Reference DRN-4660097
15 May 2024 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-4660097 The complaint Mr R complains that Shop Direct Finance Company Limited (Shop Direct) lent to him irresponsibly. What happened In October 2021 Mr R successfully applied for a catalogue shopping account with Shop Direct and was given a credit limit of £600. Shop Direct then period... (3 pages)View decision -
Decision Reference DRN-4765150
15 May 2024 Helvetia Global Solutions Ltd UpheldInsuranceDRN-4765150 The complaint Mr M complains that Helvetia Global Solutions Ltd declined him cover under the single trip breakdown policy that he purchased for his trip abroad. What happened Mr M took out a breakdown recovery policy with Helvetia to cover his holiday abroad which he intended t... (4 pages)View decision -
Decision Reference DRN-4676382
15 May 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4676382 The complaint Mr S, through his representative, complains that Zopa Bank Limited lent to him irresponsibly. What happened In December 2022 Mr S was approved for one loan from Zopa for £3,000, and the total to repay was £3,890.11. The repayments were £126.57 for the first one th... (4 pages)View decision -
Decision Reference DRN-4479822
14 May 2024 MotoNovo Finance Limited Not upheldConsumer CreditDRN-4479822 The complaint Mrs H complains that a car acquired with finance from MotoNovo Finance Limited trading as MotoNovo Finance wasn’t of satisfactory quality. What happened In March 2023 Mrs H was supplied with a car and entered into a hire purchase agreement with MotoNovo. At the po... (3 pages)View decision -
Decision Reference DRN-4797866
14 May 2024 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-4797866 The complaint Mr A complains that Clydesdale Financial Services Limited trading as Barclays Partner Finance (“BPF”) has unfairly handled his claim under section 75 of The Consumer Credit Act 1974 (“section 75”) in respect of replacement windows and doors which weren’t of satisf... (4 pages)View decision
