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 342371 results
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Decision Reference DRN-4828398
9 Jul 2024 Barclays Bank UK PLC UpheldConsumer CreditDRN-4828398 The complaint Mr B complains that despite being informed that he was pre-approved for a loan with Barclays Bank UK PLC, his application was declined. What happened On 28 December 2023 Mr B applied for a loan of £16,000 using his Barclays app. Despite him having pre-approved lim... (2 pages)View decision -
Decision Reference DRN-4743327
9 Jul 2024 Wise Payments Limited UpheldBanking and PaymentsDRN-4743327 The complaint A company which I’ll refer to as O complains that Wise Payments Limited (‘Wise’) hasn’t reimbursed the funds O lost as a result of a scam. Mr S, who is a director of O, brings this complaint on O’s behalf. What happened O’s office manager was trying to pay a VAT b... (4 pages)View decision -
Decision Reference DRN-4893651
9 Jul 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4893651 The complaint Mr X complains that London & Colonial Services Limited (‘L&C’) didn’t undertake sufficient due diligence on a regulated advisory firm who I will refer to as ‘Firm A’ – Firm A advised Mr X to transfer his previous pension plan to a L&C self-invested per... (46 pages)View decision -
Decision Reference DRN-4894870
9 Jul 2024 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-4894870 The complaint Mr C complains about his credit card from Tesco Personal Finance PLC trading as Tesco Bank (Tesco). What happened Mr C has a credit card from Tesco. He is a vulnerable customer. On the statement dated July 2023, the limit was £350 and the balance was £272.94. No ... (4 pages)View decision -
Decision Reference DRN-4461307
9 Jul 2024 IG Markets Limited Not upheldInvestmentsDRN-4461307 The complaint Mr B complains about the monthly fee charged by IG Markets Limited (“IG”) for use of its advanced charts package. He says the basis of the fee is unclear and that the nature of the auto-trading system which he uses makes it more likely that he will incur the charg... (3 pages)View decision -
Decision Reference DRN-4777607
9 Jul 2024 Home Retail Group Card Services Limited Not upheldConsumer CreditDRN-4777607 The complaint Mr O complains that Home Retail Group Card Services Limited trading as Argos Card Services (“Argos”) irresponsibly provided him with a store card. What happened Mr O applied for a store card with Argos online in October 2020. Argos provided a store card with a cre... (2 pages)View decision -
Decision Reference DRN-4854730
9 Jul 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4854730 The complaint Mr P complains that Santander UK PLC unreasonably blocked a transaction he was attempting to make and caused him inconvenience in trying to unblock his account. What happened In December 2023, Mr P attempted to make a substantial payment from an account he had wit... (3 pages)View decision -
Decision Reference DRN-4806566
9 Jul 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4806566 The complaint Mr B complains that Monzo Bank Ltd (“Monzo”) acted irresponsibly by providing him with an overdraft and granting him a credit card account. What happened Mr B was given an overdraft with his current account in April 2022 with an initial overdraft limit of £500. Th... (3 pages)View decision -
Decision Reference DRN-4794178
9 Jul 2024 Advanced Payment Solutions Limited UpheldBanking and PaymentsDRN-4794178 The complaint Mr K complains that he wasn’t sent his monthly account statement and needed to chase Advanced Payment Solutions Limited trading as Cashplus Bank on several occasions. What happened The details of this complaint are well known to both parties. So I won’t repeat the... (2 pages)View decision -
Decision Reference DRN-4692038
9 Jul 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4692038 The complaint Miss K on behalf of the late X’s estate complains Santander UK Plc (“Santander”) wrongly allowed the transfer of £20,000 from X’s account to an account held jointly. What happened In April 2016 the late X transferred £20,000 from her current account to another ac... (3 pages)View decision