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 352408 results
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Decision Reference DRN-4856309
19 Nov 2024 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4856309 The complaint Mr B complains that Mitsubishi HC Capital UK PLC did not accept a claim he made under section 75 of the Consumer Credit Act 1974 (“section 75”). I’ll refer to Mitsubishi HC Capital UK PLC under its trading name of Novuna. What happened In or around May 2023 Mr ... (3 pages)View decision -
Decision Reference DRN-5141791
19 Nov 2024 Equiniti Financial Services Limited Not upheldInvestmentsDRN-5141791 The complaint This complaint has been brought by Mr W, representing the estate of Mrs W. He complains about the way Equiniti Financial Services Limited (“Equiniti”) have dealt with the sale of shares held by the late Mrs W. What happened This complaint is about the sale of s... (3 pages)View decision -
Decision Reference DRN-5157091
19 Nov 2024 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-5157091 The complaint Mr C complains about the quality of a car Santander Consumer (UK) Plc supplied to him under a conditional sale agreement. Background I recently issued my provisional conclusions setting out the events leading up to this complaint and how I thought the dispute ... (5 pages)View decision -
Decision Reference DRN-5115427
19 Nov 2024 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-5115427 The complaint Miss G complains that Brent Shrine Credit Union Limited trading as My Community Bank (MCB) sent her a text message advising her that her account was in arrears when it wasn’t. What happened On 4 January 2024 Miss G’s direct debit to MCB failed. On 5 January 202... (2 pages)View decision -
Decision Reference DRN-5093993
19 Nov 2024 Starling Bank Limited Not upheldBanking and PaymentsDRN-5093993 The complaint Miss C is unhappy Starling Bank Limited won’t refund all the money she lost as the result of a safe account scam. What happened As both parties are familiar with the details of the scam I won’t repeat them in full here. In summary on 26 April 2024 Miss C made t... (3 pages)View decision -
Decision Reference DRN-4711117
19 Nov 2024 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4711117 The complaint Mr C complains about how Capital One (Europe) plc (“Capital One”) handled a claim he made in relation to a transaction on his credit card. What happened Mr C says he entered into an agreement with a company I’ll refer to as “P”, to hire a car. He paid for the c... (3 pages)View decision -
Decision Reference DRN-4625039
19 Nov 2024 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-4625039 The complaint Mr O complains that BMW Financial Services (GB) Limited, trading as Alphera Financial Services, defaulted his account and terminated his credit agreement without notice. What happened In March 2022 Mr O entered into a regulated hire purchase agreement with Alph... (2 pages)View decision -
Decision Reference DRN-5014114
19 Nov 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5014114 The complaint E, a limited company, complains that Barclays Bank UK Plc unreasonably blocked their accounts without explanation. What happened The background to this complaint is well known to both parties, so I will summarise it only briefly here. On 8 August 2023 the dir... (2 pages)View decision -
Decision Reference DRN-5157549
19 Nov 2024 National Westminster Bank Plc UpheldConsumer CreditDRN-5157549 The complaint Mr J is complaining about National Westminster Bank Plc because he’s dissatisfied with how his loan was handled following Covid payment breaks. He says NatWest extended the term of the loan without his agreement and that refinance agreements reached with the ba... (5 pages)View decision -
Decision Reference DRN-4953515
19 Nov 2024 Niche Private Clients Ltd UpheldPensions and AnnuitiesDRN-4953515 The complaint Mr S complains that Niche Private Clients Ltd (“Niche”) failed to correctly calculate, or explain, how some income he wished to take from his pension savings would be taxed. What happened Mr S holds pension savings on which he received ongoing advice and suppor... (4 pages)View decision
