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 370149 results
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Decision Reference DRN-5148310
4 Mar 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5148310 The complaint Mrs W complains that HSBC UK Bank Plc did not carry out appropriate checks when she closed her investments with them. What happened Both parties are aware of the circumstances of the complaint, so I won’t repeat them again in detail here. In summary, Mrs W fell... (3 pages)View decision -
Decision Reference DRN-5305956
4 Mar 2025 RAC Insurance Limited Not upheldInsuranceDRN-5305956 The complaint Mr and Mrs A are unhappy RAC Insurance Limited turned down a claim they made on their legal expenses insurance policy. As the claim and complaint has been brought by Mr A I’ll refer to him in this decision. All references to RAC include its agents and claims ha... (3 pages)View decision -
Decision Reference DRN-5319905
4 Mar 2025 Royal & Sun Alliance Insurance Limited Not upheldInsuranceDRN-5319905 The complaint Mr M is complaining that Royal & Sun Alliance Insurance Limited (‘RSA’) has declined a claim he made on his commercial property insurance policy. Mr M has been represented in the handling of the claim and complaint. But for ease of reference I shall refer t... (3 pages)View decision -
Decision Reference DRN-5118604
4 Mar 2025 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5118604 The complaint Mrs W complains that HSBC UK Bank Plc (‘HSBC’) did not reimburse the funds she lost to a scam. What happened Mrs W fell victim to a manipulative scam. She was contacted on 16 September 2023 by an individual she believed to be from HSBC, who she held her current... (8 pages)View decision -
Decision Reference DRN-5317997
4 Mar 2025 Accord Mortgages Limited Not upheldMortgagesDRN-5317997 The complaint Mr M complains that Accord Mortgages Limited didn’t instruct a professional valuation of his property when he applied for a new interest rate product for his mortgage. Mr M says the valuation is too low. He couldn’t access lower interest rate products and asks ... (3 pages)View decision -
Decision Reference DRN-5260326
4 Mar 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5260326 The complaint Mr and Mrs E says Lloyds Bank PLC (“Lloyds”) refuses to refund them for a transaction on their account they say they didn’t authorise. What happened The facts of this complaint are well known to both parties, so I won’t repeat them in detail here. In summary, M... (3 pages)View decision -
Decision Reference DRN-5316248
4 Mar 2025 Aviva Insurance Limited UpheldInsuranceDRN-5316248 The complaint Ms M is unhappy with what Aviva Insurance Limited did after she made a claim on her legal expenses insurance policy. What happened At the end of November 2023 Ms M made a claim on her policy. She said the managing agent of her property was seeking an injunction... (3 pages)View decision -
Decision Reference DRN-5255057
4 Mar 2025 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-5255057 The complaint Mr G complains The Co-operative Bank Plc (Co-op) treated him unfairly when it recorded a false application marker against him on a fraud database. He’d like the entry deleted. What happened Mr G applied for an account with Co-op in August 2021, but after the b... (2 pages)View decision -
Decision Reference DRN-5009771
4 Mar 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5009771 The complaint Mr G complains Bank of Scotland plc, trading as “Halifax”, refuses to refund him for direct debit transactions he says he didn’t authorise. What happened Mr G complains that he has been charged a monthly direct debit for over 11 years which he didn’t authorise.... (2 pages)View decision -
Decision Reference DRN-4720744
4 Mar 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-4720744 The complaint Mr K complains about how Nationwide Building Society (“Nationwide”) handled a claim he made in relation to a transaction on his credit card. What happened Mr K purchased a four-day cruise holiday, through a company I’ll refer to as “S”, using his Nationwide cre... (5 pages)View decision
