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 342791 results
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Decision Reference DRN-4850509
3 Jul 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4850509 The complaint Miss W is complaining about NewDay Ltd because she says it lent irresponsibly when providing her with four different credit cards. What happened After various applications, Miss W opened the following credit card accounts with NewDay: Marbles – application 17 Jan... (5 pages)View decision -
Decision Reference DRN-4812952
3 Jul 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4812952 The complaint Mr H has complained that Santander UK Plc (“Santander”) irresponsibly increased the limit on his overdraft. He says that Santander acted unfairly by continuing to apply overdraft charges to his account when he was already in financial difficulty. What happened Mr ... (3 pages)View decision -
Decision Reference DRN-4522877
3 Jul 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4522877 The complaint Mr F complains Barclays Bank UK PLC unfairly closed his account without notice. What happened The facts of the complaint are well known to both parties, so I will only provide a summary of the key points. Barclays carried out a review of Mr F’s account and issued ... (3 pages)View decision -
Decision Reference DRN-4520033
3 Jul 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4520033 The complaint Mr L complains Lloyds Bank PLC declined his savings account application and closed the account. What happened The facts which led to Mr L bringing his complaint to our service are well known to both parties, so I am not repeating them in full here. In summary, Mr ... (2 pages)View decision -
Decision Reference DRN-4398892
3 Jul 2024 Interactive Brokers (U.K.) Limited Not upheldInvestmentsDRN-4398892 The complaint Mr A complains that Interactive Brokers (UK) Limited (‘IBL’) exercised two of his options contracts without his consent, causing a financial loss. In addition, Mr A also complains that IBL’s system is sometimes slow, impacting his ability to either open or close p... (4 pages)View decision -
Decision Reference DRN-4530100
3 Jul 2024 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4530100 The complaint Mr N complains National Westminster Bank Plc blocked his account. As a result, he was unable to get medication for a family member. Mr N would like compensation. What happened Mr N had accounts with NatWest. On 15 September 2023 Mr N deposited £5,000 in cash into ... (2 pages)View decision -
Decision Reference DRN-4888449
3 Jul 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4888449 The complaint Mrs W complains NewDay Ltd have acted unfairly by not refunding the payment she made towards a holiday using her credit card. What happened On 12 May 2023 Mrs W used her NewDay credit card to purchase a package holiday, departing on 18 May 2023, at a cost of £2,59... (6 pages)View decision -
Decision Reference DRN-4886837
3 Jul 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4886837 The complaint Mr G complains Creation Consumer Finance Ltd (“Creation”) hasn’t treated him fairly in connection with a claim he brought under section 75 of the Consumer Credit Act 1974 (“CCA”). What happened The background to Mr G’s complaint, and my initial findings on it, can... (9 pages)View decision -
Decision Reference DRN-4649795
3 Jul 2024 RCI Financial Services Limited Not upheldConsumer CreditDRN-4649795 The complaint Miss O complains about the charges RCI Financial Services Limited t/a Nissan Financial Services (“RCI”) applied when she returned a car after her hire agreement ended. What happened Miss O entered into a 36 month hire agreement in October 2020. Although the agreem... (3 pages)View decision -
Decision Reference DRN-4719658
3 Jul 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4719658 The complaint Mr B complains about the quality of a car supplied to him by Moneybarn No. 1 Limited (“Moneybarn”). What happened Mr B acquired a used car under a conditional sale agreement with Moneybarn in July 2023. The car cost around £12,095. Mr B paid a deposit of £1,500. U... (3 pages)View decision