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-5338556
10 Mar 2025 Startline Motor Finance Limited Not upheldConsumer CreditDRN-5338556 Complaint Mr C complains that Startline Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said that the finance was unaffordable which resulted in him experiencing ongoing struggles going forward. Background In January 2017, SMF p... (4 pages)View decision -
Decision Reference DRN-5373001
10 Mar 2025 Next Retail Limited Not upheldConsumer CreditDRN-5373001 Complaint Miss D has complained that Next Retail Limited (“Next”) irresponsibly provided her with a catalogue shopping account and credit limit increases. She has said that this credit was unaffordable for her and it resulted in her experiencing ongoing difficulties. Backg... (5 pages)View decision -
Decision Reference DRN-5375437
10 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5375437 Complaint Mrs T 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 as the repayments r... (6 pages)View decision -
Decision Reference DRN-5347495
10 Mar 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5347495 Complaint Mr S complains that Moneybarn No.1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable for him. Background In June 2019, Mone... (3 pages)View decision -
Decision Reference DRN-5347549
10 Mar 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5347549 Complaint Mr A has complained about a credit card Capital One (Europe) plc (“Capital One”) provided to him. He says the credit card was irresponsibly provided to him as it was unaffordable. He’s also said that he was allowed to continue using the card even when his account h... (3 pages)View decision -
Decision Reference DRN-5349907
10 Mar 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5349907 Complaint Mr M has complained about the overdraft charges Santander UK Plc (“Santander”) applied to his account. Mr M is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr M’s account were unfair as there w... (5 pages)View decision -
Decision Reference DRN-5349222
10 Mar 2025 Tesco Personal Finance Limited Not upheldBanking and PaymentsDRN-5349222 Complaint Mr M has complained about credit cards Tesco Personal Finance Limited (trading as “Tesco Bank”) provided to him. He says that the credit cards and limit increase were unaffordable for him and they caused him ongoing financial difficulty and placed him in a relentle... (5 pages)View decision -
Decision Reference DRN-5331292
9 Mar 2025 HSBC UK Bank Plc Not upheldConsumer CreditDRN-5331292 The complaint Mr O complains that HSBC UK Bank Plc issued a Default Notice against his personal loan whilst he was in a payment break. What happened In March 2023 Mr O opened a personal loan account with HSBC. In May 2024 Mr O contacted HSBC to advise that his personal circu... (2 pages)View decision -
Decision Reference DRN-5285838
9 Mar 2025 Millennium Insurance Company Limited UpheldInsuranceDRN-5285838 The complaint Mr V complains about the decline of his home emergency claim by Millennium Insurance Company Limited (‘Millenium’). As Millenium have accepted responsibility for agents acting on their behalf, in my decision any reference to Millenium should also be interpreted... (4 pages)View decision -
Decision Reference DRN-5237252
9 Mar 2025 Aviva Insurance Limited Not upheldInsuranceDRN-5237252 The complaint Mr O, Mrs O and Mr O (2) complain about the claim settlement offered by Aviva Insurance Limited following a claim they made on their commercial property investors insurance policy. Some of Mr O, Mrs O and Mr O’s (2) dissatisfaction relates to the actions of age... (3 pages)View decision
