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 360264 results
-
Decision Reference DRN-4534781
1 Mar 2024 Ald Automotive Limited Not upheldConsumer CreditDRN-4534781 The complaint Mr A complains that Ald Automotive Limited (“Ald”) paid two penalty charges without appealing them, and then held him liable for them. What happened In February 2020 Mr A entered into a regulated hire agreement with Ald for a used car. In early 2023, he received f... (3 pages)View decision -
Decision Reference DRN-4653999
29 Feb 2024 Shop Direct Finance Company Limited UpheldBanking and PaymentsDRN-4653999 The complaint Ms B has complained that Shop Direct Finance Company Limited, trading as Very (“Shop Direct”) irresponsibly granted her a credit account, and subsequently increased her credit limit, which she couldn’t afford to repay. What happened Ms B opened the account with Sh... (4 pages)View decision -
Decision Reference DRN-4386567
29 Feb 2024 Morton Hill Ltd UpheldPensions and AnnuitiesDRN-4386567 The complaint Ms M complains that Morton Hill Limited, trading as McKnight Financial (MF), provided unsuitable advice to switch her employer’s auto-enrolment pension to a new self-invested personal pension (SIPP). Ms M is concerned that the funds that MF recommended were too hi... (10 pages)View decision -
Decision Reference DRN-4534582
29 Feb 2024 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-4534582 The complaint A limited company, which I’ll refer to as O, complains that The Royal Bank of Scotland Plc treated it unfairly, effectively forcing it out of business. In particular, O complains that RBS unreasonably imposed overdraft reductions without notice and reneged on prom... (11 pages)View decision -
Decision Reference DRN-4655293
29 Feb 2024 Hyundai Capital UK Limited Not upheldConsumer CreditDRN-4655293 The complaint Mr D complains about car finance that he took out with Hyundai Capital UK Limited trading as Kia Finance. He says Kia Finance acted fraudulently in creating the loan. Correspondence on this case has been handled on behalf of Kia Finance by a third party, S. For ea... (2 pages)View decision -
Decision Reference DRN-4638065
29 Feb 2024 esure Insurance Limited UpheldInsuranceDRN-4638065 The complaint Mrs A complains esure Insurance Limited hasn’t offered a fair value for her car following it being written off after an accident. What happened The details of the claim are well known to both parties, so I’ve summarised the background. Mrs A insured her car with e... (3 pages)View decision -
Decision Reference DRN-4611317
29 Feb 2024 U K Insurance Limited UpheldInsuranceDRN-4611317 The complaint Mrs S complains about how U K Insurance Limited (UKI) handled the claim she made on her car insurance policy and the market value applied to her car. What happened In July 2023, Mrs S’s car was damaged in accident, so she called UKI to claim on her car insurance p... (3 pages)View decision -
Decision Reference DRN-4636759
29 Feb 2024 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-4636759 The complaint Ms B complains about the way in which The Royal Bank of Scotland Plc (“RBS”) handled the closure of her account. What happened Ms B held a credit card account with RBS. RBS sent letters to Ms B advising her that she was in persistent debt. It later sent a letter a... (3 pages)View decision -
Decision Reference DRN-4592585
29 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4592585 The complaint Miss B complains that Vanquis Bank Limited was irresponsible to lend to her. What happened Miss B was approved for a credit card with Vanquis on 26 November 2022. The credit limit was set at £1,200 and this remained unchanged. Miss B says Vanquis should have asked... (2 pages)View decision -
Decision Reference DRN-4617718
29 Feb 2024 Volkswagen Financial Services (UK) Limited UpheldConsumer CreditDRN-4617718 The complaint Mr D complains that Volkswagen Financial Services (UK) Limited trading as Skoda Financial Services (“VWFS”) reported missed payment markers on his credit file. VWFS agreed to remove the second marker but refused to remove the first. Mr D wants the missed payment m... (2 pages)View decision
