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 359539 results
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Decision Reference DRN-4857009
1 Jul 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4857009 Complaint Mr L complains that Moneybarn No. 1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the payments to the agreement were unaffordable, so he should not have been lent to. Background Mr L also made a complaint about the q... (3 pages)View decision -
Decision Reference DRN-4855199
1 Jul 2024 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-4855199 Complaint Mr M 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 he couldn’t afford the payments as he wasn’t working at the time. Background In June 2018, Alpher... (4 pages)View decision -
Decision Reference DRN-4772286
1 Jul 2024 First Response Finance Ltd Not upheldConsumer CreditDRN-4772286 Complaint Mr H complains that First Response Finance Ltd (“First Response”) 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 and so he shouldn’t have been lent t... (3 pages)View decision -
Decision Reference DRN-4506499
1 Jul 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4506499 The complaint Mrs S complains that Moneybarn No. 1 Limited didn’t help her by taking back the car she bought using a loan it provided. What happened In April 2023 Mrs S bought a car funded by a conditional sale agreement with Moneybarn. Very soon after acquiring the car, Mrs S ... (2 pages)View decision -
Decision Reference DRN-4844788
1 Jul 2024 Motability Operations Limited Not upheldConsumer CreditDRN-4844788 The complaint Mrs S, who is represented by her husband, complains that at the end of her hire agreement Motability Operations Limited (“MOL”) wouldn’t allow her to purchase the car that was subject to it. What happened In December 2019 Mrs S entered into a hire agreement with M... (2 pages)View decision -
Decision Reference DRN-4789102
30 Jun 2024 Verus Financial Services Limited UpheldPensions and AnnuitiesDRN-4789102 The complaint Mr G is represented. He says an unsuitable pension switch and a Discretionary Fund Management (‘DFM’) service was recommended by Verus Financial Services Limited trading as Verus Financial Services (‘Verus’) in 2022; that both recommendations were for the purpose ... (13 pages)View decision -
Decision Reference DRN-4744014
30 Jun 2024 Wise Payments Limited UpheldBanking and PaymentsDRN-4744014 The complaint Mr H complains that Wise Payments Limited didn’t do enough to protect him from the financial harm caused by an investment scam, or to help him recover the money once he’d reported the scam to it. What happened The detailed background to this complaint is well know... (4 pages)View decision -
Decision Reference DRN-4847391
30 Jun 2024 Wakam UpheldInsuranceDRN-4847391 The complaint Mr A complains that when he cancelled his policy with Wakam, he didn’t receive a refund. Any references to Wakam in this decision include its appointed agents and administrators. What happened Mr A held a car insurance policy with Wakam which commenced on 17 May 2... (2 pages)View decision -
Decision Reference DRN-4510253
30 Jun 2024 LeasePlan UK Limited UpheldConsumer CreditDRN-4510253 The complaint Miss B complains about the quality of the car supplied to her on a hire agreement by LeasePlan UK Limited (“LeasePlan”). What happened Miss B entered into a hire agreement with LeasePlan in June 2018 for a new car. The original agreement was due to last for two ye... (4 pages)View decision -
Decision Reference DRN-4777463
30 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4777463 The complaint Ms S complains that Vanquis Bank Limited agreed a repayment plan with her but then defaulted her account and passed it to a debt recovery agency. What happened Ms S holds a credit card account with Vanquis. The account fell into arrears and Vanquis sent a Notice o... (2 pages)View decision
