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-4530060
6 Feb 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4530060 The complaint Ms O is unhappy because she believes Lloyds Bank Plc (‘Lloyds’) has incorrectly reported information to credit reference agencies. What happened In September 2022 Ms O was looking to take out a mobile phone contract and obtain a mortgage. She was declined for both... (2 pages)View decision -
Decision Reference DRN-4583202
6 Feb 2024 HDI Global Specialty SE UpheldInsuranceDRN-4583202 The complaint Miss P complains HDI Global Speciality SE failed to complete repairs, made under her home insurance policy, to a reasonable standard. HDI’s been represented by agents during the claim. For simplicity I’ve generally referred to the actions of the agents as being th... (4 pages)View decision -
Decision Reference DRN-4580110
6 Feb 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4580110 The complaint Mrs C complains that Zopa Bank Limited (“Zopa”) are unfairly holding her liable for a loan that she says she didn’t take out. What happened The details of this complaint are well known to both parties, so I won’t repeat everything again here. In brief summary, Mrs... (3 pages)View decision -
Decision Reference DRN-4580106
6 Feb 2024 Oakbrook Finance Limited UpheldConsumer CreditDRN-4580106 The complaint Mrs C complains that Oakbrook Finance Limited (trading as Likely Loans) (“Oakbrook”) are unfairly holding her liable for a loan that she says she didn’t take out. What happened The details of this complaint are well known to both parties, so I won’t repeat everyth... (3 pages)View decision -
Decision Reference DRN-4580103
6 Feb 2024 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4580103 The complaint Mrs C complains that Mitsubishi HC Capital UK Plc (trading as “Novuna”) are unfairly holding her liable for two loans totalling £40,000 that she says she didn’t take out. What happened The details of this complaint are well known to both parties, so I won’t repeat... (4 pages)View decision -
Decision Reference DRN-4604700
6 Feb 2024 Advantage Insurance Company Limited UpheldInsuranceDRN-4604700 The complaint Mr P complained about the service he received from Advantage Insurance Company Limited (“Advantage”) following a claim which led to significant inconvenience for him. What happened Mr P made a claim by telling Advantage a named driver on his policy was involved in... (3 pages)View decision -
Decision Reference DRN-4364329
6 Feb 2024 Vacation Finance Limited Not upheldConsumer CreditDRN-4364329 The complaint Mr and Mrs F have complained that Vacation Finance Limited (“VFL”) needed to pay compensation arising out of the sale of a holiday product bought using a VFL loan. What happened In June 2019, Mr and Mrs F took out an agreement with a holiday product supplier (“the... (5 pages)View decision -
Decision Reference DRN-4324020
6 Feb 2024 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-4324020 The complaint Ms F complains the balances on her Link Financial Outsourcing Limited trading as Asset Link Capital (No.9) loans haven’t reduced as much as she expected. What happened Ms F has two loans with Link Financial Outsourcing Limited – one was originally taken out in Apr... (2 pages)View decision -
Decision Reference DRN-4433513
6 Feb 2024 Volkswagen Financial Services (UK) Limited UpheldConsumer CreditDRN-4433513 The complaint Mr R complains that Volkswagen Financial Services (UK) Limited (“VWFS”) misinformed him about a breathing space hold which was applied to his agreement and believes this has negatively impacted his credit file. Mr R also complains that more repayments were taken f... (5 pages)View decision -
Decision Reference DRN-4582960
6 Feb 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4582960 The complaint Mrs B and her representative complain that Barclays Bank UK PLC, trading as Barclaycard (“Barclaycard”), irresponsibly gave her two credit card accounts she couldn’t afford. What happened In May 1989, Mrs B applied for and was given a credit card account with Barc... (3 pages)View decision
