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 118878 results
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Decision Reference DRN-3369683
5 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3369683 The complaint In summary, Mr C has complained that NewDay Ltd trading as Aquacard, provided him with credit limit increases on his credit card, when he wasn’t able to afford them. What happened In March 2012, NewDay provided Mr C with a credit card. The initial credit limit was... (5 pages)View decision -
Decision Reference DRN-3319042
5 May 2022 PayPal (Europe) Sarl et Cie SCA UpheldBanking and PaymentsDRN-3319042 The complaint Miss A complains that PayPal (Europe) Sarl et Cie SCA didn’t refund her for an item, after she raised a claim under its Buyer Protection policy. What happened Miss A used her PayPal account to purchase a bracelet from a seller online. Miss A paid £1,000 for the it... (3 pages)View decision -
Decision Reference DRN-3379492
5 May 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3379492 The complaint Mr and Mrs C have complained that Lloyds Bank PLC (“Lloyds”) failed to deal properly with the cancellation of a cheque – resulting in them going significantly overdrawn. What happened Towards the end of 2021, Mr and Mrs C opened a new savings account with a buildi... (3 pages)View decision -
Decision Reference DRN-3462517
5 May 2022 Omni Capital Retail Finance Limited UpheldConsumer CreditDRN-3462517 Complaint Mr M has complained that Omni Capital Retail Finance Limited rejected his claim against it under Section 75 of the Consumer Credit Act 1974. Background Mr M bought solar panels for his home in 2017. The purchase was funded by a loan from OCR, and that business is ther... (3 pages)View decision -
Decision Reference DRN-3463409
5 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3463409 The complaint Mr E complains through his representative that Everyday Lending Limited lent him money on a high interest loan which he was unable to afford to repay. What happened Everyday provided Mr E with a loan on 28 January 2019, for £5,500, repayable in 36 monthly instalme... (4 pages)View decision -
Decision Reference DRN-3451963
5 May 2022 Ikano Bank AB (publ) UpheldConsumer CreditDRN-3451963 The complaint Miss L complains that Ikano Bank AB (publ) rejected her claim under s 75 Consumer Credit Act 1974 in respect of faulty furniture. What happened In August 2020, Miss L purchased two sofas funded by an interest free point of sale loan. The sofas were delivered sever... (3 pages)View decision -
Decision Reference DRN-3437522
5 May 2022 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3437522 The complaint and background Mrs G has complained about how National Westminster Bank Plc has responded to her financial difficulties. She says that because of NatWest’s failure to help her, she now has an outstanding debt consisting largely of interest and charges that NatWest... (2 pages)View decision -
Decision Reference DRN-3156085
5 May 2022 Close Brothers Limited UpheldConsumer CreditDRN-3156085 The complaint Miss G has complained about the support she received from Close Brothers Limited (Close Brothers) when she found herself in financial difficulties. What happened In February 2019, Miss G entered into a conditional sale agreement with Close Brothers to acquire a us... (5 pages)View decision -
Decision Reference DRN-3394737
5 May 2022 Oplo PL Ltd UpheldConsumer CreditDRN-3394737 The complaint Mr F has complained that Oplo PL Ltd was irresponsible in lending to him. What happened In January 2019 Oplo provided Mr F with a loan of £5,000 repayable over 36 months. The monthly repayments were £196.89. Mr F said the purpose of the loan was home improvements.... (4 pages)View decision -
Decision Reference DRN-3463549
5 May 2022 MotoNovo Finance Limited UpheldConsumer CreditDRN-3463549 The complaint Mr L is unhappy with a car he acquired using a hire purchase agreement provided by Motonovo Finance Limited. He says the car has had issues since he got it, mainly with the Diesel Particulate Filter (‘DPF’). What happened In October 2019 Mr L acquired a used car. ... (5 pages)View decision
