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 355536 results
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Decision Reference DRN-4985605
4 Sep 2024 Startline Motor Finance Limited Not upheldConsumer CreditDRN-4985605 Complaint Mr F complains that Startline Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable given his circumstances at the time. Background In September 2018, SMF pr... (3 pages)View decision -
Decision Reference DRN-4928351
3 Sep 2024 One Sure Insurance Limited UpheldInsuranceDRN-4928351 The complaint Mr G complains about the way One Sure Insurance Limited (“One Sure”) handled the cancellation of his policy. What happened In March 2024, Mr G took out a policy with One Sure but says he didn’t receive any email confirmation with policy documents. He also found... (2 pages)View decision -
Decision Reference DRN-4972161
3 Sep 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4972161 The complaint Mr M complains that HSBC UK Bank Plc failed to comply with a Data Subject Access Request (DSAR). What happened Mr M says he made a DSAR following an allegation well known to the parties. He says HSBC did not send him the required information and the information... (2 pages)View decision -
Decision Reference DRN-4979448
3 Sep 2024 etika Finance UK Limited Not upheldConsumer CreditDRN-4979448 The complaint Mr W complains that goods he purchased with finance provided by Etika Finance UK Ltd were never delivered. What happened In August 2023 Mr W entered into a regulated fixed sum loan agreement with Etika Finance to finance his purchase of a caravan awning from a ... (2 pages)View decision -
Decision Reference DRN-4902852
3 Sep 2024 Bank of Scotland Plc Not upheldConsumer CreditDRN-4902852 The complaint Mr M complains that Bank of Scotland plc, trading as Halifax, has defaulted his loan account. What happened Mr M had a Halifax loan account. He phoned Halifax in October 2023 and asked for a payment holiday. Halifax placed a 30 day hold on the account and wrote... (3 pages)View decision -
Decision Reference DRN-4413734
3 Sep 2024 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-4413734 The complaint Mrs W complains that Shop Direct Finance Company Limited acted irresponsibly in offering her a catalogue shopping account that was unaffordable for her. What happened Mrs W opened an account with Shop Direct under its Very brand in August 2012. The credit limi... (4 pages)View decision -
Decision Reference DRN-4986237
3 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4986237 The complaint Miss C complains that NewDay Limited, trading as Aqua, lent to her irresponsibly when it increased the credit limit on her credit card and that the credit was unaffordable for her. What happened Miss C applied to New Day for an Aqua credit card in November 2020... (4 pages)View decision -
Decision Reference DRN-4885089
3 Sep 2024 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-4885089 The complaint Miss W is unhappy that a car supplied to her under a hire purchase agreement with BMW Financial Services (GB) Limited trading as Alphera Financial Services (‘BMWFS’) was misrepresented. What happened In February 2019, Miss W was supplied with a used car throug... (4 pages)View decision -
Decision Reference DRN-4660864
3 Sep 2024 Go Car Credit Limited Not upheldConsumer CreditDRN-4660864 The complaint Miss M is unhappy about the quality of a car supplied to her under a hire purchase agreement with Go Car Credit Limited (GCC). When I refer to what Miss M has said and what GCC have said, it should also be taken to include things said on their behalf. What ha... (3 pages)View decision -
Decision Reference DRN-4998915
3 Sep 2024 Loans 2 Go Limited Not upheldConsumer CreditDRN-4998915 The complaint Mr S says Loans 2 Go Limited irresponsibly lent to him. What happened Mr S took out an 18-month instalment loan for £1,500 from Loans 2 Go on 29 November 2019. The monthly repayments were £342.83 and the total repayable was £6,170.94. Mr S settled his loan earl... (3 pages)View decision
