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
-
Decision Reference DRN-4974719
2 Sep 2024 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-4974719 Complaint Mr D has complained about the quality of a car that BMW Financial Services (GB) Limited (trading as “Alphera” Financial Services) supplied to him through a hire-purchase agreement. Background In September 2023, Alphera provided Mr D with finance for a used car. Th... (6 pages)View decision -
Decision Reference DRN-4984289
2 Sep 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-4984289 Complaint Mr S has complained that Loans 2 Go Limited (“L2G”) unfairly provided him with unaffordable loans. Background L2G provided Mr S with a total of five loans. As far as I can see is Mr S’ loan history was as follows: Loan Taken Amount Term APR Payment Settled 1 Nove... (7 pages)View decision -
Decision Reference DRN-4995100
2 Sep 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4995100 Complaint Mr V has complained that Zopa Bank Limited (“Zopa”) irresponsibly provided him with a credit card, which it ought to have realised was unaffordable for him. Background In November 2021, Zopa provided Mr V with a credit card which had a limit of £400. Mr V’s credit... (3 pages)View decision -
Decision Reference DRN-4988423
2 Sep 2024 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-4988423 Complaint Mr K 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 March 2019, Alphera p... (3 pages)View decision -
Decision Reference DRN-4962515
2 Sep 2024 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-4962515 Complaint Miss M complains that Clydesdale Financial Services Limited (trading as Barclays Partner Finance (“Barclays PF”)) unfairly entered into a conditional-sale agreement with her. She’s said the agreement was unaffordable for her as she was a student with limited income... (4 pages)View decision -
Decision Reference DRN-4996144
2 Sep 2024 Volkswagen Financial Services (UK) Limited UpheldConsumer CreditDRN-4996144 Complaint Mr W has complained about the quality of a car that Volkswagen Financial Services (UK) Limited (“VW”) supplied to him through a hire-purchase agreement. Background The transaction and Mr W’s agreement In August 2022, VW provided Mr W with finance for a used car. ... (6 pages)View decision -
Decision Reference DRN-4563919
1 Sep 2024 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-4563919 The complaint Mr S is complaining that the car he acquired through a hire purchase agreement with BMW Financial Services (GB) Limited (“BMW”) was not of satisfactory quality, and he should be able to reject it. What happened Mr S acquired a used car from BMW in July 2022. In... (4 pages)View decision -
Decision Reference DRN-4985919
31 Aug 2024 TM Advances Limited UpheldConsumer CreditDRN-4985919 The complaint Mr H complained (through a representative) that TM Advances Limited (“TMA”) irresponsibly granted two personal loans in June 2016 and June 2017 that he couldn’t afford to repay. What happened In June 2016, Mr H took out a loan with TMA. I didn’t initially have ... (5 pages)View decision -
Decision Reference DRN-4927678
31 Aug 2024 AWP P&C S.A. Not upheldInsuranceDRN-4927678 The complaint Mr R complains that AWP P&C S.A (“AWP”) unfairly declined a claim he made on his warranty. What happened Mr R held a vehicle warranty and made a claim on it for replacement of his vehicle’s battery. The claim was declined, with AWP saying the warranty didn’... (2 pages)View decision -
Decision Reference DRN-4610022
31 Aug 2024 abrdn Alternative Funds Limited Not upheldPensions and AnnuitiesDRN-4610022 The complaint Mr A has complained about delays in the processing of fund switches within his pension which he says were caused by errors made by abrdn Alternative Funds Limited (‘abrdn’). Mr A has stated that changes to investment values over the delay period caused him fina... (4 pages)View decision
