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 361839 results
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Decision Reference DRN-5187744
10 Dec 2024 Capita Life & Pensions Regulated Services Limited Not upheldPensions and AnnuitiesDRN-5187744 The complaint Mr W has complained, via a Claims Management Company (‘CMC’), about a transfer of his Capita Life & Pensions Regulated Services Limited (‘Capita’) personal pensions to a small self-administered scheme (‘SSAS’) in October 2015. Mr W’s SSAS was subsequently u... (16 pages)View decision -
Decision Reference DRN-4877017
10 Dec 2024 Fortrade Limited Not upheldInvestmentsDRN-4877017 The complaint Mr M has complained that he has been receiving unsolicited calls from Fortrade Limited relating to trading in shares. What happened Mr M opened a demo account with Fortrade. He did not open a live trading account, and he never deposited any money into any Fort... (3 pages)View decision -
Decision Reference DRN-4870861
10 Dec 2024 UK Mortgage Lending Ltd Not upheldMortgagesDRN-4870861 The complaint Mr and Mrs K complain that UK Mortgage Lending Limited trading as Pepper Money, the lender of their second charge mortgage (secured loan), wouldn’t agree to a deed of postponement allowing them to re-finance their first charge mortgage. What happened In 2021, M... (3 pages)View decision -
Decision Reference DRN-5199908
10 Dec 2024 Mercedes-Benz Financial Services UK Limited Not upheldConsumer CreditDRN-5199908 The complaint Miss S and Mr W complain that some charges imposed at the end of a hire purchase agreement by Mercedes-Benz Financial Services UK Limited (“MBFS”) are unfair. What happened In March 2022 Miss S and Mr W were supplied with a used car through a hire purchase agre... (3 pages)View decision -
Decision Reference DRN-5146305
10 Dec 2024 Startline Motor Finance Limited UpheldConsumer CreditDRN-5146305 The complaint Mr M complains that STARTLINE MOTOR FINANCE LIMITED was irresponsible in its lending to him. He wants all interest, fees and charges he paid under his hire purchase agreement refunded along with 8% simple interest and any adverse information recorded on his cre... (4 pages)View decision -
Decision Reference DRN-4783562
10 Dec 2024 The Prudential Assurance Company Limited Not upheldInvestmentsDRN-4783562 The complaint Mr C complains that The Prudential Assurance Company Limited failed to provide him with accurate information on his investments. What happened Mr C couldn’t obtain accurate valuations of his investments through The Prudential’s online portal. He says The Prude... (2 pages)View decision -
Decision Reference DRN-4857436
10 Dec 2024 National Westminster Bank Plc Not upheldMortgagesDRN-4857436 The complaint Mr O complains that National Westminster Bank Plc took repossession action following the end of the term on his buy to let mortgage, and added legal costs to his mortgage balance. What happened Mr O had a buy to let mortgage with NatWest, on interest only terms... (4 pages)View decision -
Decision Reference DRN-5137225
10 Dec 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5137225 The complaint Mr S complains Bank of Scotland plc trading as Halifax (Halifax) refused to raise a direct debit indemnity claim when asked. What happened Mr S says he visited a branch of Halifax in June 2024 and requested that it raise direct debit indemnity claims for a seri... (3 pages)View decision -
Decision Reference DRN-4898033
10 Dec 2024 Revolut Ltd Not upheldBanking and PaymentsDRN-4898033 The complaint Mr A is unhappy that Revolut Ltd won’t reimburse money he lost to a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat everything here. In summary, Mr A has explained that in July 2021 he made a payment of £8... (5 pages)View decision -
Decision Reference DRN-5199977
10 Dec 2024 Revolut Ltd UpheldBanking and PaymentsDRN-5199977 The complaint Mr S complains that Revolut Ltd won’t refund money he lost when he fell victim to an impersonation scam. What happened On 15 January 2024, Mr S received a call from someone purporting to be from Revolut. Unfortunately, the caller had spoofed Revolut’s genuine ... (9 pages)View decision
