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-3457134
29 Apr 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3457134 The complaint A company which I’ll refer to as ‘‘F’’ complains about HSBC UK Bank Plc’s decision to terminate their business account and withhold the money held in it. Mr Z, director of F, complains on its behalf. What happened In July 2020, F applied for a loan under the Bounc... (5 pages)View decision -
Decision Reference DRN-3456122
29 Apr 2022 Bank of Scotland Plc UpheldMortgagesDRN-3456122 The complaint Mr B and Ms M complain about the refusal by Bank of Scotland plc trading as Halifax to approve their application to remortgage in their names a property that was in the legal ownership of Ms M and her former husband, Mr M. What happened Ms M and her ex-husband div... (8 pages)View decision -
Decision Reference DRN-3408737
29 Apr 2022 First Data Europe Limited UpheldBanking and PaymentsDRN-3408737 The complaint A company, which I’ll refer to as M, complains that First Data Europe Limited have unfairly charged it a monthly compliance fee. M is represented in bringing this complaint by its director, Mr M. What happened M is a merchant. In early 2019, Mr M signed an agreeme... (2 pages)View decision -
Decision Reference DRN-3235888
29 Apr 2022 Vanguard Asset Management, Ltd UpheldInvestmentsDRN-3235888 The complaint Ms S complains that a delay in transferring cash from her existing ISA provider to Vanguard Asset Management, Ltd resulted in a loss when she was eventually able to invest the cash. What happened Vanguard accepts it was responsible for delaying the transfer, so I ... (3 pages)View decision -
Decision Reference DRN-3456526
29 Apr 2022 Vitality Health Limited UpheldInsuranceDRN-3456526 The complaint Mr L complains that Vitality Health Limited turned down his private medical insurance claim. What happened On 25 May 2018, Mr L took out the policy with Vitality. It was taken out on a moratorium basis, which meant that pre-existing conditio... (4 pages)View decision -
Decision Reference DRN-3455554
29 Apr 2022 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-3455554 Complaint Mrs R has complained that Clydesdale Financial Services Limited trading as Barclays Partner Finance (“BPF”) didn’t agree to settle a claim against it under Section 75 of the Consumer Credit Act 1974, in the way she wanted it to. Background Mrs R bought solar panels fo... (4 pages)View decision -
Decision Reference DRN-3334897
29 Apr 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3334897 The complaint Mr P complains HSBC UK Bank Plc (“HSBC”) unfairly restricted and then closed his account. And by doing so have caused him substantive loss, distress, and inconvenience. What happened HSBC reviewed and subsequently blocked Mr P’s accounts in February 2021. HSBC all... (5 pages)View decision -
Decision Reference DRN-3414591
29 Apr 2022 AWP P&C SA UpheldInsuranceDRN-3414591 The complaint Mr B has complained about AWP P&C SA. He isn’t happy about the way it dealt with a claim under his home emergency policy. What happened Mr B had a home emergency policy with AWP and made a claim after a leak from his bathroom at his home address. When he calle... (2 pages)View decision -
Decision Reference DRN-3456613
29 Apr 2022 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3456613 The complaint Mr S complains that the vehicle he acquired through a Conditional Sale Agreement (CSA) with Moneybarn No 1 Limited wasn’t of satisfactory quality. What happened Mr S entered into a CSA with Moneybarn on 1 April 2021. He took delivery of the vehicle on 13 April 202... (5 pages)View decision -
Decision Reference DRN-3430423
29 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3430423 The complaint Mr H complained that Everyday Lending Limited trading as Everyday Loans irresponsibly provided him with an unaffordable loan. What happened The main loan details are as follows: Date taken Amount Term months Monthly payment Total amount repayable April 2019 £5,000... (3 pages)View decision
