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 353748 results
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Decision Reference DRN-4372746
18 Mar 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4372746 The complaint Miss G complains about the quality of a used car that was supplied through a conditional sale agreement with Moneybarn No.1 Limited (MB). What happened In September 2022, Miss G acquired a used car through a conditional sale agreement from MB. The car was about ni... (3 pages)View decision -
Decision Reference DRN-4475168
18 Mar 2024 Bank of Scotland Plc Not upheldMortgagesDRN-4475168 The complaint Mr S has complained about when Bank of Scotland plc trading as Halifax took the first payment for his mortgage. Halifax took the payment on 10 August 2023, but Mr S thought he wouldn’t need to pay until 1 September. What happened Mr S applied for this mortgage thr... (3 pages)View decision -
Decision Reference DRN-4644592
18 Mar 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4644592 The complaint Mr A complains that TSB Bank plc sent another person’s data with his Data Subject Access Request (DSAR), and they provided him with poor customer service. What happened Mr A raised a DSAR with TSB, but when he received the DSAR documentation, he found there were d... (3 pages)View decision -
Decision Reference DRN-4444103
18 Mar 2024 Metro Bank PLC UpheldConsumer CreditDRN-4444103 The complaint Mr J complains that Metro Bank PLC trading as RateSetter irresponsibly granted him access to a loan. Mr J says had proper checks been carried out, the loan wouldn’t have been granted. What happened RateSetter lent Mr J a loan in October 2021, the loan was for £7,0... (3 pages)View decision -
Decision Reference DRN-3990471
18 Mar 2024 HFMC Wealth Partners LLP UpheldPensions and AnnuitiesDRN-3990471 The complaint Mr H complains about the advice given by HMFC Wealth Partners LLP (‘HMFC’) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a self-invested personal pension (‘SIPP’). He says the advice was unsuitable for him and believes thi... (13 pages)View decision -
Decision Reference DRN-4688114
18 Mar 2024 Lloyds Bank PLC UpheldConsumer CreditDRN-4688114 The complaint Mr I complains that Lloyds Bank PLC irresponsibly lent to him. What happened I issued a provisional decision where I set out a detailed background to this complaint, so I won’t repeat the background here. My provisional decision forms part of this final decision a... (3 pages)View decision -
Decision Reference DRN-4428844
18 Mar 2024 HSBC UK Bank Plc UpheldMortgagesDRN-4428844 The complaint Mr C has complained about calls he’s receiving from HSBC UK Bank Plc about his jointly held mortgage account. The relationship broke down and Mr C says he left the mortgaged property, with his ex-partner (who I’ll refer to as Ms R) continuing to reside in it. Mr C... (3 pages)View decision -
Decision Reference DRN-4527570
18 Mar 2024 Barclays Bank UK PLC UpheldMortgagesDRN-4527570 The complaint This complaint is about an interest-only mortgage Mrs and Mr G used to hold with Barclays Bank UK PLC. They redeemed the mortgage after Barclays declined their request for a term extension. Their complaint is that if Barclays had given them a definitive indication... (3 pages)View decision -
Decision Reference DRN-4649835
18 Mar 2024 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-4649835 The complaint Mr S complains Royal & Sun Alliance Insurance Limited (RSA) failed to arrange for rectification work to be completed to his car after unsatisfactory repairs were made. And it gave poor service throughout his claim. There are several parties and representatives... (2 pages)View decision -
Decision Reference DRN-4604647
18 Mar 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4604647 The complaint Miss O complains that Monzo Bank Ltd (‘Monzo’) won’t refund a payment she made. What happened In 2023, Miss O made a payment to someone she met online. Miss O says they’d been communicating for around five months, and he told her that he was affiliated with a bett... (2 pages)View decision
