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 367928 results
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Decision Reference DRN-5554650
9 Jun 2025 Chetwood Financial Limited Not upheldConsumer CreditDRN-5554650 Complaint Mr T has complained about a personal loan Chetwood Financial Limited (trading as “Better Borrow”) provided to him. He says the loan was unaffordable and shouldn’t have been provided to him. Background Better Borrow provided Mr T with a loan for £5,000.00 in Septem... (3 pages)View decision -
Decision Reference DRN-5557566
9 Jun 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5557566 Complaint Ms B complains that Oodle Financial Services Limited (trading as “Oodle” Car Finance) unfairly entered into a hire-purchase agreement with her. She’s said that it wasn’t thoroughly checked whether she could make the repayments to this agreement and the payments wer... (3 pages)View decision -
Decision Reference DRN-5493753
9 Jun 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5493753 Complaint Mrs 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 Mrs K with a credit card with a limit of £1,000.00 in March 2022. The limi... (3 pages)View decision -
Decision Reference DRN-5508695
9 Jun 2025 U K Insurance Limited Not upheldInsuranceDRN-5508695 The complaint Mr O complained that U K Insurance Limited (“UKI”) unfairly declined his claim when torrential rain led to water leakage in the kitchen of his property. Mr O also thought there were unnecessary delays with his claim. What happened Mr O made a claim to UKI when ... (3 pages)View decision -
Decision Reference DRN-5561336
9 Jun 2025 Hiscox Underwriting Limited Not upheldInsuranceDRN-5561336 The complaint Mr and Mrs P think they’ve been treated unfairly by Hiscox Underwriting Limited (“Hiscox”) when taking out a home insurance policy. What happened Mr and Mrs P asked for a home insurance quotation, where cover was provided by Hiscox. Hiscox asked several questio... (2 pages)View decision -
Decision Reference DRN-5401150
9 Jun 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5401150 Complaint Miss H has complained about the overdraft charges Bank of Scotland Plc (trading as “Halifax”) applied to her current account. Miss H is being represented, by the (“representative”), in her complaint. The representative has said the charges applied to Miss H’s acc... (6 pages)View decision -
Decision Reference DRN-5574685
9 Jun 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5574685 Complaint Mr R complains that Advantage Finance Ltd (“Advantage Finance”) 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 and so he shouldn’t have been lent ... (3 pages)View decision -
Decision Reference DRN-5424877
9 Jun 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5424877 Complaint Mr B has complained about the overdraft charges Bank of Scotland plc (trading as “Halifax”) applied to his account. Mr B is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr B’s account were unfa... (5 pages)View decision -
Decision Reference DRN-5472255
9 Jun 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5472255 The complaint Ms K complains that Nationwide Building Society (Nationwide) won’t refund the money she says was lost as the result of a scam. What happened In 2016, Ms K was introduced to an investment with a company I’ll refer to as B. In 2016, 2017 and 2018, Ms K made paym... (2 pages)View decision -
Decision Reference DRN-5568566
9 Jun 2025 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5568566 Complaint Mr P has complained about the overdraft charges The Royal Bank of Scotland Plc (“RBS”) applied to his account. Mr P is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr P’s account were unfair as... (5 pages)View decision
