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 381196 results
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Decision Reference DRN-5285948
28 Jul 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5285948 The complaint Mr C complains that a car that was supplied to him under a conditional sale agreement with Moneybarn No. 1 Limited wasn’t of satisfactory quality. What happened A used car was supplied to Mr C under a conditional sale agreement with Moneybarn that he electronic... (2 pages)View decision -
Decision Reference DRN-5568348
28 Jul 2025 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-5568348 The complaint Mr A complains Creation Consumer Finance Ltd (Creation) provided a car under a car finance agreement which wasn’t of satisfactory quality. What happened Mr A entered into a hire purchase agreement with Creation on 18 November 2022 in order to acquire a used ca... (8 pages)View decision -
Decision Reference DRN-5720144
28 Jul 2025 Covea Insurance plc Not upheldInsuranceDRN-5720144 The complaint Mrs B complains about the decline of a claim she made against a commercial and residential property owner’s insurance policy with Covea Insurance Plc (‘Covea’). She also complains about renewal terms not being offered following the claim. What happened In Decem... (3 pages)View decision -
Decision Reference DRN-5720092
28 Jul 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5720092 The complaint Miss D complains that Lloyds Bank PLC irresponsibly gave her an overdraft facility on her three current accounts. What happened Miss D has three current accounts with Lloyds. In 2019, she applied for overdrafts on all three accounts. These were initially £50 li... (3 pages)View decision -
Decision Reference DRN-5587782
28 Jul 2025 Go Car Credit Limited Not upheldConsumer CreditDRN-5587782 The complaint Mr R complains that the car he acquired through Go Car Credit Limited (“GCC”) wasn’t of satisfactory quality. He says that the car isn’t driveable and GCC have not provided a resolution to get the car repaired. What happened Mr R entered into a hire purchase ag... (4 pages)View decision -
Decision Reference DRN-5534300
28 Jul 2025 TSB Bank plc Not upheldBanking and PaymentsDRN-5534300 The complaint Ms F complains that TSB Bank plc will not amend her credit file and will not take payments towards her credit card over the phone. What happened Ms F says that TSB has admitted that it made an error when it entered direct debit information. She says this led t... (2 pages)View decision -
Decision Reference DRN-5719035
28 Jul 2025 Advantage Insurance Company Limited Not upheldInsuranceDRN-5719035 The complaint Mr and Mrs W are unhappy about the price Advantage Insurance Company Limited (‘Advantage’) have quoted for the renewal of their home (buildings and contents) insurance policy. What happened The background to this complaint is well known to Mr and Mrs W and Adva... (2 pages)View decision -
Decision Reference DRN-5706850
28 Jul 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5706850 The complaint Ms A complains Bank of Scotland plc trading as Halifax registered her ex-partner as a joint party to an account she holds with it, without her agreement. She complains this meant her ex-partner recently received correspondence about this account when they shoul... (3 pages)View decision -
Decision Reference DRN-5674518
28 Jul 2025 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5674518 The complaint Mr S complains that Mitsubishi HC Capital UK Plc (MHCC) didn’t sufficiently check whether he could afford to sustain the repayments before they agreed to lend to him on several occasions. In bringing his complaint Mr S is represented by a third party. For ease ... (3 pages)View decision -
Decision Reference DRN-5158684
28 Jul 2025 Blue Motor Finance Ltd UpheldConsumer CreditDRN-5158684 The complaint Mr R is unhappy that a car supplied to him under a hire purchase agreement with Blue Motor Finance Ltd (‘BMF’) was of an unsatisfactory quality. What happened In March 2024, Mr R was supplied with a used car through a hire purchase agreement with BMF. He paid ... (6 pages)View decision
