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 367300 results
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Decision Reference DRN-5448629
14 Apr 2025 Royal & Sun Alliance Insurance Limited Not upheldInsuranceDRN-5448629 The complaint Mrs P has complained about the way a claim was handled by Royal & Sun Alliance Insurance Limited (RSA). Mrs P is the lead complainant for a home insurance policy she shares jointly with Mr P and Mrs P(2). All reference to the insurer RSA in my decision incl... (2 pages)View decision -
Decision Reference DRN-5346831
14 Apr 2025 FirstRand Bank Limited Not upheldConsumer CreditDRN-5346831 Complaint Mr L complains that FirstRand Bank Limited (trading as “MotoNovo Finance”) unfairly entered into a hire-purchase agreement with him. He’s said that the finance was unaffordable and this resulted in him being unable to meet his commitments going forward, without bo... (5 pages)View decision -
Decision Reference DRN-5271694
14 Apr 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5271694 Complaint Miss M has complained about the overdraft charges HSBC UK Plc (“HSBC”) applied to her current account. Miss M is being represented, by the (“representative”), in her complaint. The representative has said the charges applied to Miss M’s account were unfair as ther... (5 pages)View decision -
Decision Reference DRN-5456210
14 Apr 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5456210 Complaint Miss H has complained about a credit card Capital One (Europe) plc (“Capital One”) provided to her. She says the credit card was irresponsibly provided as it was unaffordable. Background Capital One provided Miss H with a credit card with a limit of £200 in April ... (3 pages)View decision -
Decision Reference DRN-5423454
14 Apr 2025 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-5423454 Complaint Miss B complains that Blue Motor Finance Ltd (“BMF”) unfairly entered into a hire-purchase agreement with her. She’s said that the proper checks weren’t carried out which led to her being provided with finance that was unaffordable and this created an unfair lendin... (5 pages)View decision -
Decision Reference DRN-5260806
14 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5260806 Complaint Mrs S has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that all of this credit was unaffordable and caused her continued financial difficulty. Background In Oct... (6 pages)View decision -
Decision Reference DRN-5474256
14 Apr 2025 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-5474256 Complaint Miss M complains that BMW Financial Services (GB) Limited (“Alphera” Financial Services) unfairly entered into a hire-purchase agreement with her. She’s said the agreement was unaffordable and so she shouldn’t have been accepted for it. Background In December 2017... (3 pages)View decision -
Decision Reference DRN-5233265
14 Apr 2025 Nationwide Building Society Not upheldConsumer CreditDRN-5233265 Complaint Mr M has complained about personal loans Nationwide Building Society (“Nationwide”) provided to him. He says that these loans were unaffordable. Background Mr M has also complained about a credit card and an overdraft which Nationwide provided to him. However, we’... (3 pages)View decision -
Decision Reference DRN-5462374
14 Apr 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5462374 Complaint Ms K has complained about a credit card Zopa Bank Limited (“Zopa”) provided to her. She says credit card was irresponsibly provided as it was unaffordable for her. Background Zopa provided Ms K with a credit card with a limit of £200 in December 2021. The limit on... (3 pages)View decision -
Decision Reference DRN-5204490
14 Apr 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5204490 Complaint This complaint is being made against Moneybarn No.1 Limited (“Moneybarn”) by the estate of Mr P. For the sake of clarity I will refer to the estate of Mr P as “the estate” in this final decision. The estate has complained that Moneybarn unfairly entered into condi... (5 pages)View decision
