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 342371 results
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Decision Reference DRN-4899364
10 Jul 2024 Oodle Financial Services Limited UpheldConsumer CreditDRN-4899364 The complaint Mr T complains about the quality of a car supplied to him on finance by Oodle Financial Services Limited (‘Oodle’). What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my informa... (7 pages)View decision -
Decision Reference DRN-4847051
10 Jul 2024 MBNA Limited UpheldBanking and PaymentsDRN-4847051 The complaint Miss H complains about a claim she made to MBNA Limited in respect of a holiday she bought using her credit card. What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my informal ... (5 pages)View decision -
Decision Reference DRN-3672347
10 Jul 2024 The Royal London Mutual Insurance Society Limited Not upheldPensions and AnnuitiesDRN-3672347 The complaint Mr N has complained, with the help of a professional third party, about the transfer of his personal pensions, previously held with The Royal London Mutual Insurance Society Limited (‘Royal London’) to a small self-administered scheme (“SSAS”) in May 2014. Mr N’s ... (10 pages)View decision -
Decision Reference DRN-3107440
10 Jul 2024 The Royal London Mutual Insurance Society Limited Not upheldPensions and AnnuitiesDRN-3107440 The complaint Mr B has complained, with the help of a professional third party, about a transfer of his personal pensions, previously held with The Royal London Mutual Insurance Society Limited (‘Royal London’) to a small self-administered scheme (“SSAS”) in June 2014. Mr B’s S... (10 pages)View decision -
Decision Reference DRN-3598888
10 Jul 2024 Virgin Money Unit Trust Managers Ltd Not upheldPensions and AnnuitiesDRN-3598888 The complaint Mr G has complained, with the help of a professional third party, about a transfer of his personal pension, previously held with Virgin Money Unit Trust Managers Ltd (‘Virgin’), to a small self-administered scheme (“SSAS”) in May 2014. Mr G’s SSAS was subsequently... (10 pages)View decision -
Decision Reference DRN-4816265
10 Jul 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4816265 The complaint Mrs G, a sole trader, complains that Barclays Bank UK PLC is wrongly pursuing her personally for the repayment of a Bounce Back Loan (BBL) applied for by a limited company. Mrs G is represented by her daughter, who I’ll call Mrs H. Mrs H is also the sole director ... (4 pages)View decision -
Decision Reference DRN-4878062
10 Jul 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4878062 The complaint Mr A complains that HSBC UK Bank Plc (‘HSBC’) should pay more compensation than offered so far in connection with its admitted poor service regarding setting up a direct debit payment. What happened In brief summary, HSBC admitted there had been a branch error whe... (3 pages)View decision -
Decision Reference DRN-4893143
10 Jul 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4893143 The complaint Mr T has complained about Creation Consumer Finance Ltd’s (‘Creation’) response to a claim he made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’) and in relation to allegations of an unfair relationship taking in to account Section 140.A (‘s... (6 pages)View decision -
Decision Reference DRN-4831262
10 Jul 2024 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-4831262 The complaint Mr S complains about problems he experienced when trying to purchase an item using a promotional discount from Shop Direct Finance Company Limited, trading as Littlewoods (who I’ll call Shop Direct). What happened In January 2023 Mr S tried to order an item from S... (2 pages)View decision -
Decision Reference DRN-4660525
10 Jul 2024 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-4660525 The complaint Miss B is unhappy that a car supplied to her under a conditional sale agreement with Santander Consumer (UK) Plc trading as Santander Consumer Finance was of an unsatisfactory quality. What happened In October 2022, Miss B was supplied with a used car through a co... (3 pages)View decision