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 369228 results
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Decision Reference DRN-4672844
15 Apr 2024 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4672844 The complaint Mrs T complains that Clydesdale Bank Plc trading as Virgin Money declined transactions on her credit card. What happened Mrs T says that she is unable to use her Virgin Money credit card for transactions with certain merchants and when these issues arise, she isn’... (3 pages)View decision -
Decision Reference DRN-4577081
15 Apr 2024 The Co-operative Bank Plc UpheldBanking and PaymentsDRN-4577081 The complaint Mrs M complains that The Co-operative Bank plc (‘Co-op’) won’t refund the money she lost when she fell victim to a scam. What happened Mrs M says that in February 2023 her laptop was making an awful noise and she was unable to get it to stop. A number appeared on ... (5 pages)View decision -
Decision Reference DRN-4721090
15 Apr 2024 Billing Finance Limited Not upheldConsumer CreditDRN-4721090 Complaint Mrs C complains that Billing Finance Limited (“Billing Finance”) unfairly entered into a hire- purchase agreement with her. She’s effectively said that the payments to the agreement were unaffordable and so it shouldn’t have been provided to her. Background In March 2... (3 pages)View decision -
Decision Reference DRN-4657647
15 Apr 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4657647 Complaint Mr O 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 October 2018, Moneybarn provided Mr... (3 pages)View decision -
Decision Reference DRN-4700231
15 Apr 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4700231 Complaint Mr G 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 G w... (3 pages)View decision -
Decision Reference DRN-4668485
15 Apr 2024 Santander UK Plc Not upheldConsumer CreditDRN-4668485 Complaint Mr M has complained about a personal loan Santander UK Plc (“Santander”) which he says it irresponsibly provided to him. He says the loan was unaffordable and so shouldn’t have been provided to him. Background Mr M has also complained about an overdraft that Santander... (3 pages)View decision -
Decision Reference DRN-4647268
15 Apr 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4647268 Complaint Miss A 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 November 2018, Moneybarn provided Miss A with finance for a used car. The cash price o... (3 pages)View decision -
Decision Reference DRN-4713951
15 Apr 2024 Startline Motor Finance Limited Not upheldConsumer CreditDRN-4713951 Complaint Mr H complains that Startline Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable given his circumstances at the time. Background In April 2021, SMF provided M... (3 pages)View decision -
Decision Reference DRN-4165020
14 Apr 2024 Bournebridge Financial Services Limited Not upheldPensions and AnnuitiesDRN-4165020 The complaint Mr B complains about the service he received from Bournebridge Financial Services Limited (“BFS”) when transferring the proceeds of his defined benefit (DB) Occupational Pension Scheme (“OPS”) pension to a Personal Pension Plan (“PPP”). He says BFS’ actions caused... (7 pages)View decision -
Decision Reference DRN-4723656
13 Apr 2024 Liverpool Victoria Insurance Company Limited UpheldInsuranceDRN-4723656 The complaint Mrs and Mr S complain about how Liverpool Victoria Insurance Company Limited handled and settled a claim they made under their home insurance policy for damage caused by an escape of water. What happened Mrs and Mr S held a home insurance policy with Liverpool Vic... (6 pages)View decision
