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-4568005
5 Feb 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4568005 Complaint Mr B complains that Moneybarn No. 1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the payments to the agreement were unaffordable, so he should not have been lent to. Background In February 2018, Moneybarn provided M... (3 pages)View decision -
Decision Reference DRN-4552428
5 Feb 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4552428 Complaint Mr A complains that Moneybarn No. 1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the payments to the agreement were unaffordable, so he should not have been lent to. Background In May 2019, Moneybarn provided Mr A w... (3 pages)View decision -
Decision Reference DRN-4438678
5 Feb 2024 Interactive Investor Services Limited Not upheldPensions and AnnuitiesDRN-4438678 The complaint Mr R complains about the service he received when, following a pension switch, Interactive Investor Services Limited (“II”) received a payment from his ceding scheme. He says II’s actions delayed the payment being applied to his Self-Invested Pension Plan (SIPP), ... (4 pages)View decision -
Decision Reference DRN-4328118
5 Feb 2024 National Westminster Bank Plc UpheldMortgagesDRN-4328118 The complaint Mr F’s complaint is about a mortgage he has with National Westminster Bank Plc (NatWest). He believes the balance of his mortgage after arrears were consolidated is higher than it should be. What happened In 2008 Mr F took out a mortgage with NatWest for £174,750 ... (3 pages)View decision -
Decision Reference DRN-4346023
5 Feb 2024 Northern Bank Limited Not upheldMortgagesDRN-4346023 The complaint Mr H’s complaint is about a re-mortgage he applied for with Northern Bank Limited trading as Danske Bank in 2022. He is unhappy with the timescale for Northern Bank responding to his questions about adding his spouse to the mortgage application, which meant the re... (3 pages)View decision -
Decision Reference DRN-4494027
5 Feb 2024 AutoMoney Limited UpheldConsumer CreditDRN-4494027 Complaint Mr M is unhappy with what AutoMoney Limited (“AutoMoney”) has agreed to do to put things right after it agreed it shouldn’t have entered into a hire-purchase agreement with him without first carrying out further checks. Mr M wants the remaining balance on the finance ... (6 pages)View decision -
Decision Reference DRN-4598575
5 Feb 2024 Link Financial Outsourcing Limited UpheldConsumer CreditDRN-4598575 Complaint Miss P has complained about a loan that Link Financial Outsourcing Limited (trading as “Asset Link Capital (No.9)”) is now responsible for. She says that the loan was unaffordable and should never have been provided to her in the first place. While Asset Link Capital ... (5 pages)View decision -
Decision Reference DRN-4419278
5 Feb 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4419278 Complaint Ms O 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 2019, Moneybarn provided Ms O with finance for a used car. The cash price of the ... (3 pages)View decision -
Decision Reference DRN-4436446
5 Feb 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4436446 Complaint Mr S complains that Moneybarn No. 1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that he doesn’t believe that sufficient checks were carried out for it to be understood that the agreement was affordable for him. Backgrou... (3 pages)View decision -
Decision Reference DRN-4465777
5 Feb 2024 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-4465777 Complaint Mrs G says Shop Direct Company Finance Limited (“Shop Direct”) irresponsibly provided her with catalogue shopping accounts which it then unfairly increased the credit limit on a number of times. Background Mrs G had two catalogue shopping accounts with Shop Direct. Th... (7 pages)View decision
