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 360264 results
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Decision Reference DRN-4357055
6 Feb 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4357055 The complaint Mrs L complains HSBC UK Bank Plc (“HSBC”) closed her accounts without warning nor explanation. Mrs L says HSBC’s actions have caused her substantive distress, inconvenience, and embarrassment. What happened Following a review, HSBC closed Mrs L’s accounts on 20 De... (4 pages)View decision -
Decision Reference DRN-4581370
6 Feb 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4581370 The complaint Miss M has complained that Lloyds Bank PLC (Lloyds) provided her with an overdraft without doing the right affordability checks. She says the overdraft was unaffordable and has asked for all interest and charges incurred on the overdraft to be refunded. What happe... (4 pages)View decision -
Decision Reference DRN-4605031
6 Feb 2024 Wise Payments Limited Not upheldBanking and PaymentsDRN-4605031 The complaint Miss N complains that Wise Payments Limited didn’t do enough to protect her from the financial harm caused by an investment scam, or to help her recover the money once she’d reported the scam to it. What happened The detailed background to this complaint is well k... (3 pages)View decision -
Decision Reference DRN-4508008
6 Feb 2024 Quidie Limited UpheldConsumer CreditDRN-4508008 The complaint Mr B complains that Quidie Limited trading as Fernovo (Fernovo) gave him loans he couldn't afford to repay putting him further into a debt spiral. What happened I set out the background to this complaint and my initial findings in my provisional decision date... (6 pages)View decision -
Decision Reference DRN-4151291
6 Feb 2024 Trading 212 UK Limited Not upheldInvestmentsDRN-4151291 The complaint Mr S complains that Trading 212 UK Limited (‘Trading 212’) provided misleading promotional information. He wants Trading 212 to respond more fully to his complaint, consider amending its practices, acknowledge shortcomings and make a gesture of goodwill. What happ... (4 pages)View decision -
Decision Reference DRN-4508263
6 Feb 2024 The Baxendale Insurance Company dac UpheldInsuranceDRN-4508263 The complaint Mrs D is unhappy with how The Baxendale Insurance Company DAC (Baxendale) have dealt with her claim for damage to her furniture while it was being transported from Italy to her home in the UK. She’s also unhappy about the time the claim has taken and that it’s not... (13 pages)View decision -
Decision Reference DRN-4123997
6 Feb 2024 Amtrust Europe Limited UpheldInsuranceDRN-4123997 The complaint Mr and Mrs D have complained about Amtrust Europe Limited. They are not happy about the way it has dealt with an ongoing claim under their buildings insurance policy in relation to subsidence. For ease of reading any reference to Amtrust includes its agents. What ... (3 pages)View decision -
Decision Reference DRN-4539459
6 Feb 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-4539459 The complaint Mr A complains that Nationwide Building Society unfairly closed his accounts and won’t explain the reason why. What happened Mr A held an account with Nationwide. In July 2023 he found that his account was frozen, and he couldn’t make any transactions on the accou... (2 pages)View decision -
Decision Reference DRN-4375168
6 Feb 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4375168 The complaint Miss W complains that Bank of Scotland plc trading as Halifax acted unfairly when it continued with a credit card application which she says she had abandoned before agreeing to. What happened Around August 2021 Miss W began an application, online, for a Halifax C... (3 pages)View decision -
Decision Reference DRN-4554965
6 Feb 2024 Royal & Sun Alliance Insurance Limited Not upheldInsuranceDRN-4554965 The complaint Mr B complains that Royal & Sun Alliance Insurance Limited (“RSA”) has unfairly handled a claim under his landlord buildings insurance policy. Any reference to Mr B or RSA includes any respective agents or representatives. What happened The background of this ... (3 pages)View decision
