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 365360 results
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Decision Reference DRN-4598889
19 Feb 2024 Society of Lloyd's Not upheldInsuranceDRN-4598889 The complaint A limited company that I will refer to as R complains about the decision of Society of Lloyd’s to decline its commercial insurance claim for property damage. What happened The following is intended only as a brief summary of events. Additionally, whilst other part... (2 pages)View decision -
Decision Reference DRN-4629224
19 Feb 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4629224 Complaint Mr O has complained about a personal loan Creation Consumer Finance Limited (Creation) provided to him. He says that the loan was unaffordable and so shouldn’t have been provided to him. Background Creation provided Mr O with a loan for £10,000.00 in March 2018. This ... (3 pages)View decision -
Decision Reference DRN-4561958
19 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4561958 Complaint Mrs A has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says the credit card was unaffordable and so shouldn’t have been provided to her. Background Vanquis provided Mrs A with a credit card with an initial limit of £1,000.00 in ... (2 pages)View decision -
Decision Reference DRN-4565604
19 Feb 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4565604 Complaint Mr R and Mrs R complain that Moneybarn No.1 Ltd (“Moneybarn”) unfairly entered into a conditional-sale agreement with them. They’ve said the agreement was unaffordable and so they shouldn’t have been accepted for it. Background In December 2018, Moneybarn provided Mr ... (3 pages)View decision -
Decision Reference DRN-4530294
19 Feb 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4530294 Complaint Mrs F 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 Mrs F with finance for a used car. The cash price of th... (3 pages)View decision -
Decision Reference DRN-4427704
19 Feb 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-4427704 Complaint Mr W complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said that the agreement was unaffordable. Background In January 2022, SMF provided Mr W with finance for a used car. The cash price of the vehi... (3 pages)View decision -
Decision Reference DRN-4405490
19 Feb 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4405490 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 August 2021, Moneybarn provided Mr ... (3 pages)View decision -
Decision Reference DRN-4421774
19 Feb 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4421774 Complaint Mr H complains that Moneybarn No. 1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that he already had massive debts at the time and so this agreement was unaffordable due to his existing position. Background In June 2019,... (3 pages)View decision -
Decision Reference DRN-4576052
19 Feb 2024 The Royal Bank of Scotland Plc Not upheldConsumer CreditDRN-4576052 Complaint Mr D has complained about personal loans The Royal Bank of Scotland Plc (“RBS”) provided to him. He says these loans were to repay credit card debt, but he was nonetheless allowed to keep his card leading to increased debt which he turned to further loans for. Backgro... (3 pages)View decision -
Decision Reference DRN-4476628
19 Feb 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4476628 Complaint Mr E 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
