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-3259908
31 Mar 2022 Omni Capital Retail Finance Limited UpheldConsumer CreditDRN-3259908 The complaint Mr T is unhappy with the response of Omni Capital Retail Finance (OCRF), following a claim against it under section 75 of the Consumer Credit Act 1974 (“the CCA”). What happened In or around July 2018 Mr T was contacted by a representative of a company I’ll call “... (7 pages)View decision -
Decision Reference DRN-3346875
31 Mar 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3346875 The complaint Ms T and Mr T are unhappy because Bank of Scotland plc, trading as Halifax (‘Halifax’) did not reimburse them the money they lost after falling victim to an investment scam. What happened Mr T was looking for investment opportunities online with a view to invest a... (7 pages)View decision -
Decision Reference DRN-3346867
31 Mar 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3346867 The complaint Mr T is unhappy Lloyds Bank PLC won’t refund him the money he’s lost after falling victim to a scam. What happened Both parties are aware of the circumstances of the complaint and the details were clearly set out by our investigator when she wrote to the bank upho... (7 pages)View decision -
Decision Reference DRN-3127793
31 Mar 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3127793 The complaint Ms J complains that loans she took out with Loans 2 Go Limited were unaffordable and should not have been provided. What happened Ms J is represented in bringing this complaint but for clarity I’ll refer to Ms J in relation to their representations. Ms J took out ... (3 pages)View decision -
Decision Reference DRN-3042712
31 Mar 2022 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-3042712 The complaint Mr N is unhappy with the response of Clydesdale Financial Services Limited (trading as Barclays Partner Finance), following a claim against it under Section 75 of the Consumer Credit Act 1974 (“CCA”). What happened Mr N was approached by a company that supplied an... (6 pages)View decision -
Decision Reference DRN-3043060
31 Mar 2022 Crowdcube Capital Limited UpheldInvestmentsDRN-3043060 The complaint Mr S complains that Crowdcube Capital Limited gave him misleading information about a company (“A”) he invested in through its platform. He wants Crowdcube to reimburse him for his losses. What happened Crowdcube operates an equity crowdfunding platform. Investors... (7 pages)View decision -
Decision Reference DRN-3409613
31 Mar 2022 Wellington Court Financial Services Limited UpheldPensions and AnnuitiesDRN-3409613 The complaint Ms K has complained about the transfer of her personal pension to a self-invested personal pension (“SIPP”) in 2015. She used her SIPP to invest in a property-based venture that appears to have failed. She holds Wellington Court Financial Services Limited responsi... (16 pages)View decision -
Decision Reference DRN-3348029
31 Mar 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3348029 The complaint A company which I’ll refer to as V, complains that Santander UK Plc unfairly declined its Bounce Back Loan (BBL) application. The complaint has been brought to the service by one of V’s directors, Mr P. What happened Mr P applied to Santander on V’s behalf for a B... (3 pages)View decision -
Decision Reference DRN-3410548
31 Mar 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3410548 The complaint Miss V is a sole trader. She complains that HSBC UK Bank Plc unfairly declined her application for a Bounce Back Loan. What happened Miss V was an existing personal customer of HSBC and applied to the bank for a Bounce Back Loan in February 2021. HSBC required cus... (3 pages)View decision -
Decision Reference DRN-3410488
31 Mar 2022 HSBC UK Bank Plc UpheldInvestmentsDRN-3410488 The complaint Mr and Mrs H complain about the advice they received from HSBC UK Bank Plc to take out two investment products in late 2000 – a bond and an investment into HSBC’s Portfolio Management Service (PMS). They say the investments were mis-sold and not suitable for their... (7 pages)View decision
