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-4585761
31 Jan 2024 Next Retail Limited UpheldConsumer CreditDRN-4585761 The complaint Mrs B complains Next Retail Limited (Next) irresponsibly provided her with an unaffordable catalogue shopping account. Mrs B is represented by a claims management company, but for ease I’ll refer to all submissions as though they are her own. What happened Mrs B w... (3 pages)View decision -
Decision Reference DRN-4564737
31 Jan 2024 Nationwide Building Society Not upheldMortgagesDRN-4564737 The complaint Mr and Mrs F complain that when they wanted to change the title to their property, Nationwide Building Society insisted they use a solicitor. What happened Mr and Mrs F have a mortgage with Nationwide. In 2023, they arranged to buy a parking space and have that ad... (3 pages)View decision -
Decision Reference DRN-4322794
31 Jan 2024 Barclays Bank UK PLC UpheldMortgagesDRN-4322794 The complaint Mr B’s complaint is about a buy-to-let mortgage he has with Barclays Bank UK PLC. He is unhappy that the interest rate he initially wanted, but was unable to apply for online, was no longer available when he spoke to a mortgage adviser. What happened Mr B took ou... (5 pages)View decision -
Decision Reference DRN-4536775
31 Jan 2024 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-4536775 Complaint Mr R has complained about a (“Tesco Bank”) credit card Tesco Personal Finance PLC provided to him. He says the credit card was irresponsibly provided as it was unaffordable for him. Background Tesco Bank provided Mr R with a credit card with an initial limit of £250 i... (3 pages)View decision -
Decision Reference DRN-4575587
31 Jan 2024 Bamboo Limited Not upheldConsumer CreditDRN-4575587 Complaint Mr M has complained about a loan Bamboo Limited (trading as “Bamboo”) provided to him. He says that the loan was not affordable. Background Bamboo provided Mr M with a loan for £2,000.00 in April 2021. The total amount to be repaid of £3,483.68, which included interes... (2 pages)View decision -
Decision Reference DRN-4566094
31 Jan 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4566094 Complaint Mr T 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 January 2018, Moneybarn provided Mr... (3 pages)View decision -
Decision Reference DRN-4580141
31 Jan 2024 First Response Finance Ltd Not upheldConsumer CreditDRN-4580141 Complaint Mr K complains that First Response Finance Ltd (“First Response”) unfairly entered into a hire-purchase agreement with him. He’s effectively said that the monthly payments to this agreement were unaffordable given his circumstances at the time and so he shouldn’t have... (3 pages)View decision -
Decision Reference DRN-4577332
31 Jan 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-4577332 Complaint Mr R complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with him. He’s said he was the monthly payments for the agreement weren’t affordable and so he shouldn’t have been accepted for it. Background In June 2018,... (3 pages)View decision -
Decision Reference DRN-4585421
31 Jan 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-4585421 Complaint Mr R complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said that the agreement was unaffordable and he struggled to pay his bills which resulted to him getting into further debt. Background In June ... (3 pages)View decision -
Decision Reference DRN-4194734
31 Jan 2024 Equiniti Financial Services Limited Not upheldInvestmentsDRN-4194734 The complaint Mr A has complained about the actions of Equiniti Financial Services Limited, trading as EQi (‘EQi’), in its administration of his son’s Child Trust Fund account (‘CTF’). Shares have been sold to cover the account management charges which Mr A said he never agreed... (4 pages)View decision
