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
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Decision Reference DRN-4405490
19 Feb 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4405490 Complaint Mr B 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 In August 2021, Moneybarn provided Mr ... (3 pages)View decision -
Decision Reference DRN-4421774
19 Feb 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4421774 Complaint Mr H complains that Moneybarn No. 1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that he already had massive debts at the time and so this agreement was unaffordable due to his existing position. Background In June 2019,... (3 pages)View decision -
Decision Reference DRN-4576052
19 Feb 2024 The Royal Bank of Scotland Plc Not upheldConsumer CreditDRN-4576052 Complaint Mr D has complained about personal loans The Royal Bank of Scotland Plc (“RBS”) provided to him. He says these loans were to repay credit card debt, but he was nonetheless allowed to keep his card leading to increased debt which he turned to further loans for. Backgro... (3 pages)View decision -
Decision Reference DRN-4476628
19 Feb 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4476628 Complaint Mr E 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 In October 2018, Moneybarn provided Mr... (3 pages)View decision -
Decision Reference DRN-4587400
19 Feb 2024 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-4587400 Complaint Mr G has complained about loans Clydesdale Financial Services (trading as Barclays Partner Finance “Barclays PF”) provided to him. He says that these loans were unaffordable due to having priority bills to pay and young children to care for. Background In October 2017... (3 pages)View decision -
Decision Reference DRN-4629211
19 Feb 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4629211 The complaint Mr G complains about Lloyds Bank PLC’s (‘Lloyds’) actions in relation to a payment he attempted to make. What happened On 17 January 2023, Mr G attempted to make a bank transfer of £200. Lloyds blocked the payment and Mr G’s account and online banking, as they wer... (6 pages)View decision -
Decision Reference DRN-4592601
19 Feb 2024 Volkswagen Financial Services (UK) Limited Not upheldConsumer CreditDRN-4592601 Complaint Miss P complains that Volkswagen Financial Services UK Limited (trading as “Audi” Finance) unfairly entered into a hire-purchase agreement with her. She’s said the agreement was unaffordable and so she shouldn’t have been accepted for it. She is also unhappy at not be... (4 pages)View decision -
Decision Reference DRN-4487206
18 Feb 2024 Bhavik Shah IFA UpheldPensions and AnnuitiesDRN-4487206 The complaint Mr E complains about the outcome of the review carried out by Bhavik Shah IFA (“Bhavik Shah”) in connection with the FCA’s consumer redress scheme for the British Steel Pension Scheme (“BSPS”) – to make my findings easier to follow, I’ll refer to this as the “redr... (9 pages)View decision -
Decision Reference DRN-4430319
18 Feb 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4430319 The complaint Ms H complains that Lloyds Bank PLC (“Lloyds”) won’t refund over £14,000 she lost to an investment scam in December 2022. The details of this complaint are well known to both parties, so I won’t repeat everything again here. Instead, I will focus on giving the rea... (2 pages)View decision -
Decision Reference DRN-4628946
18 Feb 2024 Advanced Payment Solutions Limited UpheldBanking and PaymentsDRN-4628946 The complaint Mr O complains that Advanced Payment Solutions Limited trading as Cashplus Bank (hereafter referred to as Cashplus) hasn’t refunded money he lost to an investment scam. What happened The background to this complaint is well-known to both parties. I’ve discussed th... (2 pages)View decision
