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 353748 results
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Decision Reference DRN-4677141
18 Mar 2024 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-4677141 Complaint Mr S complains that Clydesdale Financial Services Limited (trading as Barclays Partner Finance (“Barclays PF”)) unfairly entered into a conditional sale agreement with him. He’s said that he entered into this agreement at the time that he was suffering from a gambling... (4 pages)View decision -
Decision Reference DRN-4454721
18 Mar 2024 First Response Finance Ltd Not upheldConsumer CreditDRN-4454721 Complaint Mr T 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-4511291
18 Mar 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4511291 Complaint Miss Y is unhappy with what Moneybarn No.1 Limited (trading as “Moneybarn”) has agreed to do to put things right after it agreed it shouldn’t have entered into a conditional-sale agreement with her without first carrying out a proper financial check to ensure that the... (4 pages)View decision -
Decision Reference DRN-4676069
18 Mar 2024 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-4676069 Complaint Mr M complains that Santander Consumer (UK) Plc (trading as “Santander” Consumer Finance) unfairly entered into a conditional sale agreement with him. He’s said his affordability for the agreement was not properly considered at the time of sale and he couldn’t afford ... (6 pages)View decision -
Decision Reference DRN-4685619
18 Mar 2024 RCI Financial Services Limited Not upheldConsumer CreditDRN-4685619 The complaint Miss S has complained that RCI Financial Services Limited (“RCI”) wants to repossess the car that she acquired in December 2020 using a hire purchase agreement, even though she says there is an arrangement in place to repay arrears on the agreement. What happened ... (7 pages)View decision -
Decision Reference DRN-4688871
17 Mar 2024 M & G Securities Limited Not upheldInvestmentsDRN-4688871 The complaint Mr M complains that M&G Securities Limited (‘M&G’) took an unfair decision to close a fund that he was invested in, which will consequentially cause him a capital gains tax ('CGT’) liability. Mr M says that M&G has ignored any responsibility it ha... (5 pages)View decision -
Decision Reference DRN-4673676
17 Mar 2024 M & G Securities Limited Not upheldInvestmentsDRN-4673676 The complaint Mrs M complains that M&G Securities Limited (‘M&G’) took an unfair decision to close a fund that she was invested in, which will consequentially cause her a capital gains tax ('CGT’) liability. Mrs M is represented in this complaint by her husband, Mr... (5 pages)View decision -
Decision Reference DRN-4448945
17 Mar 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4448945 The complaint Mr S complains that the vehicle he acquired from Moneybarn No 1 Limited trading as Moneybarn (“Moneybarn”) was not of satisfactory quality. What happened Mr S acquired a vehicle from Moneybarn through a conditional sale agreement in May 2022. He’s told us he had a... (3 pages)View decision -
Decision Reference DRN-4404545
17 Mar 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4404545 The complaint The estate of Mr M complains that Santander UK Plc (“Santander”) won’t refund a payment of £4,000 made by cheque from his account before he died. What happened The details of this complaint are well known to both parties, so I won’t repeat everything again here. I... (2 pages)View decision -
Decision Reference DRN-4534146
17 Mar 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4534146 The complaint Mr S complains about Lloyds Bank PLC’s system. It asks him to verify his account when he tries to log on after travelling abroad and he thinks it’s monitoring his movements. What happened Mr S regularly uses his Lloyds on-line account. So he doesn’t have to rely o... (3 pages)View decision
