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 363925 results
-
Decision Reference DRN-5158321
10 Dec 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5158321 The complaint Miss M complains that HSBC UK Bank Plc incorrectly cancelled a standing order to the company who provided her mobile phone. What happened Miss M had a phone contact with a company I’ll call A. Another contract was fraudulently taken out in her name, also with A... (2 pages)View decision -
Decision Reference DRN-5163119
10 Dec 2024 Tandem Personal Loans Ltd Not upheldConsumer CreditDRN-5163119 The complaint Mr M complains about the way Tandem Personal Loans Ltd dealt with his request for a loan settlement figure. What happened Mr M has a loan with Tandem. On 2 July 2024 Mr M requested a settlement figure for his loan by email. Mr M’s explained he didn’t receive a... (3 pages)View decision -
Decision Reference DRN-5188069
10 Dec 2024 Shawbrook Bank Limited UpheldConsumer CreditDRN-5188069 The complaint Mr J’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’). What happened Mr J... (16 pages)View decision -
Decision Reference DRN-5181451
10 Dec 2024 The Mortgage Works (UK) Plc Not upheldMortgagesDRN-5181451 The complaint Mrs L has complained that her application for a buy-to-let (BTL) mortgage was unfairly declined by The Mortgage Works (UK) Plc (“TMW”). As a result, Mrs L had to keep her BLT mortgage with her existing lender, on a higher rate of interest than she’d wanted from... (3 pages)View decision -
Decision Reference DRN-4052886
10 Dec 2024 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4052886 The complaint Mr R complains that The Royal Bank of Scotland Plc (RBS) blocked his account. Mr R says he lost out financially due to the block and suffered a great deal of inconvenience. Mr R is also unhappy about the service he received when speaking to RBS on the phone an... (6 pages)View decision -
Decision Reference DRN-5178911
10 Dec 2024 Remulate Protect Ltd Not upheldInsuranceDRN-5178911 The complaint Mr A complains that Remulate Protect Ltd mis-sold him a life insurance policy which included serious illness cover. What happened The background to this complaint is well-known to both parties. So I’ve only set out a summary of what I think are the key events. ... (3 pages)View decision -
Decision Reference DRN-5195888
10 Dec 2024 State Bank Of India (UK) Limited UpheldBanking and PaymentsDRN-5195888 The complaint C complains about that Stat Bank Of India (UK) Limited (SBI) failed to pay interest on savings. What happened The background to this complaint and my initial conclusion were set out in a provisional decision. I said: In January 2023 Mr K, C’s director, met wit... (4 pages)View decision -
Decision Reference DRN-5067137
10 Dec 2024 Aviva Life & Pensions UK Limited Not upheldPensions and AnnuitiesDRN-5067137 The complaint Ms B complains that Aviva Life & Pensions UK Limited (Aviva) failed to provide her with the information she requested on her pension plan in a timely manner. She also complains that it provided incorrect information and that it sent information she didn’t a... (7 pages)View decision -
Decision Reference DRN-5200351
10 Dec 2024 Clydesdale Bank Plc Not upheldMortgagesDRN-5200351 The complaint Ms T complains that Clydesdale Bank Plc trading as Yorkshire Bank has not calculated the interest on her mortgage fairly. What happened Ms T has a mortgage with Yorkshire. She said that it gave her a formula that it uses to calculate interest – but it does not ... (2 pages)View decision -
Decision Reference DRN-5199867
10 Dec 2024 Accelerant Insurance Europe SA/NV UK Branch UpheldInsuranceDRN-5199867 The complaint Mr B complains Accelerant Insurance Europe SA/NV UK Branch (“A”) has declined to settle a buildings insurance claim against his commercial property insurance policy in full. For ease of reading references to Mr B include the actions of his wife and references ... (4 pages)View decision
