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 360982 results
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Decision Reference DRN-5136717
11 Nov 2024 Toyota Financial Services (UK) Plc UpheldConsumer CreditDRN-5136717 Complaint Miss P has complained about the quality of a car that Toyota Financial Services (UK) PLC (“Toyota FS”) supplied to her through a hire-purchase agreement. Background In February 2024, Toyota FS provided Miss P with finance for a used car. The car was just under nin... (6 pages)View decision -
Decision Reference DRN-5089785
11 Nov 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5089785 Complaint Mr K has complained about the overdraft charges Lloyds Bank Plc (trading as “Lloyds”) applied to his current account. Mr K is being represented in his complaint by a Claims Management Company (“the representative”). The representative has said the charges applied... (4 pages)View decision -
Decision Reference DRN-5132555
11 Nov 2024 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-5132555 Complaint Mr C complains that Blue Motor Finance Ltd (“BMF”) unfairly entered into a hire-purchase agreement with him. He’s said that the payments to this agreement were unaffordable and so he should not have been lent to. Background In December 2018, BMF provided Mr C with... (3 pages)View decision -
Decision Reference DRN-5134915
11 Nov 2024 Oodle Financial Services Limited UpheldConsumer CreditDRN-5134915 Complaint Mr T is unhappy with what Oodle Financial Services Limited (trading as “Oodle” Car Finance) has agreed to do to put things right for him after agreeing that it supplied him with a car that it accepts wasn’t of satisfactory quality through a hire-purchase agreement.... (5 pages)View decision -
Decision Reference DRN-5080196
11 Nov 2024 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-5080196 Complaint Mr P complains that BMW Financial Services (GB) Limited (trading as “Alphera” Financial Services) unfairly entered into a hire purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Background In November 2018, Alpher... (3 pages)View decision -
Decision Reference DRN-5111756
11 Nov 2024 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5111756 Complaint Miss M has complained about a credit card Clydesdale Bank Plc (trading as “Virgin Money”) provided to her. She says she shouldn’t have been provided with this credit card as it was unaffordable for her. Background Virgin Money provided Miss M with a credit card wh... (3 pages)View decision -
Decision Reference DRN-4665088
10 Nov 2024 Home Retail Group Card Services Limited Not upheldConsumer CreditDRN-4665088 The complaint Mr B complains Home Retail Group Card Services Limited (Home Retail) won’t remove a default from his credit file which it registered against his account and which he feels is unfair and disproportionate. What happened Mr B had an account with Home Retail which... (3 pages)View decision -
Decision Reference DRN-4990664
10 Nov 2024 Royal & Sun Alliance Insurance Limited Not upheldInsuranceDRN-4990664 The complaint Mr R complains that Royal & Sun Alliance Insurance Limited, trading as RSA, has offered an unfair settlement following a claim he made for storm damage to his home. What happened Mr R made a claim under his home insurance policy in January 2024, when the ro... (3 pages)View decision -
Decision Reference DRN-4976130
10 Nov 2024 Aviva Life & Pensions UK Limited Not upheldInvestmentsDRN-4976130 The complaint Mrs H is unhappy with how Aviva Life & Pensions UK Limited acted in relation to the surrender of her unit-linked whole of life policies. Specifically, she says it gave incorrect information to her and it wrongly calculated their final bonuses. Though Aviva ... (4 pages)View decision -
Decision Reference DRN-4818444
10 Nov 2024 Clydesdale Bank Plc Not upheldInvestmentsDRN-4818444 The complaint Mrs J complains that Clydesdale Bank Plc trading as Virgin Money caused an unreasonable delay in transferring a stocks and shares ISA that she held with a different business. To resolve her complaint, Mrs J wants compensation for the period she says Virgin Mon... (3 pages)View decision
