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-4649423
9 Jul 2024 Billing Finance Limited Not upheldConsumer CreditDRN-4649423 The complaint Mrs B complains Billing Finance Limited has passed incorrect information to credit reference agencies about her payment history. What happened Mrs B acquired a car in December 2022, via a Hire Purchase Agreement with Billing Finance. Mrs B missed two of her contra... (2 pages)View decision -
Decision Reference DRN-4699245
9 Jul 2024 Santander UK Plc Not upheldMortgagesDRN-4699245 The complaint This complaint is about a buy-to-let mortgage Mr K holds with Santander UK Plc The essence of the complaint is that Mr K believes that Santander failed to provide clear information on two aspects of his mortgage, relating to the annual overpayment allowance. These... (3 pages)View decision -
Decision Reference DRN-4875129
9 Jul 2024 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-4875129 The complaint Mr C has complained about a financial loss he feels he suffered on account of delays caused by his car insurer Admiral Insurance (Gibraltar) Limited. What happened Mr C owned a sports car. He bought another but it had a long lead time for delivery. His intention w... (3 pages)View decision -
Decision Reference DRN-4884046
9 Jul 2024 Shawbrook Bank Limited Not upheldConsumer CreditDRN-4884046 Complaint Mrs R and Mr R have complained about a loan Shawbrook Bank Limited (“Shawbrook”) provided to them. They say that the loan was unaffordable. Mrs R and Mr R are being represented by a Claims Management Company (“CMC”). Background In October 2019, Mrs R and Mr R purchas... (3 pages)View decision -
Decision Reference DRN-4857581
9 Jul 2024 Close Brothers Limited Not upheldConsumer CreditDRN-4857581 Complaint Mr B complains that Close Brothers Limited (trading as “Close Brothers” Motor Finance) unfairly entered into a conditional sale agreement with him. He’s effectively said that the finance wasn’t affordable and so shouldn’t have been provided to him. Background In May 2... (3 pages)View decision -
Decision Reference DRN-4888707
9 Jul 2024 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-4888707 Complaint Mrs W complains that Blue Motor Finance Ltd (“BMF”) unfairly entered into a hire-purchase agreement with her. She’s effectively said that the payments to the agreement were unaffordable and so it shouldn’t have been provided to her. Background In October 2019, BMF pro... (3 pages)View decision -
Decision Reference DRN-4869036
9 Jul 2024 NewDay Ltd Not upheldConsumer CreditDRN-4869036 Complaint Mr S has complained about a credit card NewDay Ltd (“NewDay”) provided to him. He says that he shouldn’t have been given the credit card as it was unaffordable for him. Background NewDay provided Mr S with a credit card with a credit limit of £900 in November 2020. Mr... (3 pages)View decision -
Decision Reference DRN-4889198
9 Jul 2024 FirstRand Bank Limited Not upheldConsumer CreditDRN-4889198 Complaint Mr W complains that FirstRand Bank Limited (trading as “MotoNovo” Finance) unfairly entered into a hire-purchase agreement with him. He’s said the payments to his agreement were unaffordable. Background In December 2015, MotoNovo provided Mr W with finance for a used ... (3 pages)View decision -
Decision Reference DRN-4876235
8 Jul 2024 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-4876235 The complaint Miss B complains that under a hire-purchase agreement, Blue Motor Finance Ltd supplied her with a car that wasn’t of satisfactory quality. Miss B is assisted in bringing her complaint by a third party, Mr P. For ease of reading, I’ll refer to all correspondence wh... (5 pages)View decision -
Decision Reference DRN-4766138
8 Jul 2024 American Express Services Europe Limited (AESEL) Not upheldBanking and PaymentsDRN-4766138 The complaint Mr J complains that he was mis-sold a credit card by American Express Services Europe Limited (AESEL). He’s also unhappy that his request for a credit limit increase was declined. What happened In February 2023 Mr J applied for a British Airways American Express A... (3 pages)View decision