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 118878 results
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Decision Reference DRN-3552295
20 Jun 2022 Barclays Bank UK PLC UpheldMortgagesDRN-3552295 The complaint Miss C complains that Barclays Bank UK PLC gave her inconsistent and incorrect information about the early repayment charge (ERC) if she repaid her buy to let mortgage. She says this caused delays and her sale fell through. While Barclays offered compensation, she... (4 pages)View decision -
Decision Reference DRN-3549363
20 Jun 2022 Bamboo Limited UpheldConsumer CreditDRN-3549363 The complaint Mr B says Bamboo Limited, trading as Bamboo Loans, irresponsibly lent to him. What happened Mr B took out a 12-month instalment loan from Bamboo on 22 September 2019 for £5,000. The monthly repayment was £532.07. I will refer to this as loan 1. He then took out a ... (3 pages)View decision -
Decision Reference DRN-3499765
20 Jun 2022 NCO Europe Limited UpheldConsumer CreditDRN-3499765 The complaint Mrs C is unhappy with the way that NCO Europe Limited (NCOE) dealt with the management of her debt. She says this led to a default being unfairly registered against her credit file. What happened Mrs C’s outstanding debt relates to a credit card, which is now owne... (3 pages)View decision -
Decision Reference DRN-3479682
20 Jun 2022 St. James's Place Wealth Management Plc UpheldInvestmentsDRN-3479682 The complaint Mr and Mrs T complain about a life policy that St James’s Place Wealth Management Plc (SJP) sold them. Specifically, they are unhappy that the annual premium increases are different to the Average Earnings Index. What happened In 2005, Mr and Mrs T received advice... (3 pages)View decision -
Decision Reference DRN-3244950
20 Jun 2022 Pi Financial Ltd UpheldPensions and AnnuitiesDRN-3244950 The complaint Mr O complains about the advice given by Pi Financial Ltd trading as PI Financial Dixon Sutcliffe & Co (‘Pi Financial’) to transfer the benefits from his preserved defined-benefit (‘DB’) occupational pension scheme to a personal pension. He says the advice was... (8 pages)View decision -
Decision Reference DRN-3552135
20 Jun 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3552135 The complaint Miss D complains that Bank of Scotland plc trading as Halifax (BOS) didn’t do enough to protect her from losing money to scammers. What happened The background to this complaint is well known to the parties so I won’t repeat it in full here. In summary, in 2018 an... (4 pages)View decision -
Decision Reference DRN-3548265
20 Jun 2022 Barclays Bank UK PLC UpheldMortgagesDRN-3548265 The complaint Mr and Mrs S said that they had been extremely distressed by incorrect information given to them by Barclays Bank UK PLC, and they’d lost confidence that their mortgage was being properly managed. They wanted Barclays to reduce their mortgage, as it had offered to... (5 pages)View decision -
Decision Reference DRN-3511495
20 Jun 2022 My Policy Ltd UpheldInsuranceDRN-3511495 The complaint Miss B complains that My Policy Ltd (My Policy) unfairly cancelled her motor insurance policy. There are several parties and representatives of My Policy involved throughout the complaint but for the purposes of this complaint I’m only going to refer to My Policy.... (3 pages)View decision -
Decision Reference DRN-3551198
20 Jun 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3551198 The complaint Mr and Mrs S complain that Santander UK Plc restricted their account unfairly and they discriminated against Mr S due to his age. What happened Mr S visited a branch of Santander to make a large cash withdrawal, which he says he’s regularly made every three months... (5 pages)View decision -
Decision Reference DRN-3548045
20 Jun 2022 Central Trust Limited UpheldMortgagesDRN-3548045 The complaint Mr and Mrs W complain about a second charge loan they have with Central Trust Limited. They’re unhappy about the amount they have been charged in interest on the loan and they believe they should have been charged a lower rate. A separate Ombudsman’s decision has ... (3 pages)View decision
