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 162957 results
-
Decision Reference DRN-5364937
28 Feb 2025 Bank of Scotland Plc Not upheldMortgagesDRN-5364937 The complaint Mr and Mrs W complain about Bank of Scotland plc trading as Halifax. They are unhappy with the valuation that was carried out in 2014 on their buy to let property. They think that the figure was too high. What happened Mr and Mrs W have an interest only mortgag... (4 pages)View decision -
Decision Reference DRN-5257532
28 Feb 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5257532 The complaint O has complained that HSBC UK Bank PLC (“HSBC UK”) failed to pay US$5,000 into its Global Money Account, that had been sent to it from another HSBC UK Global Money Account. What happened An instruction to send US$5,000 to O’s Global Money Account was made from ... (2 pages)View decision -
Decision Reference DRN-4911856
28 Feb 2025 Healthcare Finance Limited UpheldConsumer CreditDRN-4911856 The complaint Mr S complains about Healthcare Finance Limited’s (HFL) response to his claim brought under section 75 Consumer Credit Act 1974 (s.75) in respect of dental aligner treatment he bought using a fixed sum loan from it. What happened In August 2023 Mr S bought a c... (4 pages)View decision -
Decision Reference DRN-5364499
28 Feb 2025 Honda Finance Europe Plc UpheldConsumer CreditDRN-5364499 The complaint Mr G complains that Honda Finance Europe Plc trading as Honda Financial Services (‘Honda Finance’) was irresponsible in its lending to him. He wants all interest and charges refunded, along with his deposit. He wants 8% interest added to his refunds and any adv... (3 pages)View decision -
Decision Reference DRN-5236535
28 Feb 2025 Lloyds Bank PLC UpheldBanking and PaymentsDRN-5236535 The complaint A company, which I’ll refer to as J complains that Lloyds Bank PLC trading as Lloyds Bank Cardnet (Cardnet) unfairly declined to process a number of its card transactions. In bringing this complaint, J is represented by its director, who I’ll refer to as Mr S ... (4 pages)View decision -
Decision Reference DRN-5364732
28 Feb 2025 Lloyds Bank PLC UpheldBanking and PaymentsDRN-5364732 The complaint Mr G complains that Lloyds Bank PLC won’t refund payments he made as part of a scam. What happened Mr G was the victim of a romance-led investment scam, involving the following payments from his Lloyds’ account. Payment number Date Description Amount 1 28 Septe... (5 pages)View decision -
Decision Reference DRN-5147429
28 Feb 2025 HSBC UK Bank Plc Not upheldConsumer CreditDRN-5147429 The complaint Mr M complains that HSBC UK Bank Plc (‘HSBC’) irresponsibly agreed to lend to him by way of a personal loan when he couldn’t afford to repay and caused him to get into financial difficulties as a result. What happened In September 2017, Mr M took out a persona... (3 pages)View decision -
Decision Reference DRN-5364537
28 Feb 2025 Oodle Financial Services Limited UpheldConsumer CreditDRN-5364537 Complaint Mr F is unhappy with what Oodle Financial Services Limited (“Oodle”) has agreed to do to put things right for him after it accepted it entered into a hire-purchase agreement that it ought to have realised was unaffordable for him. Background In December 2021, Oodl... (6 pages)View decision -
Decision Reference DRN-5294000
28 Feb 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5294000 The complaint Mr M has complained that Bank of Scotland plc trading as Halifax acted irresponsibly when it provided him with an overdraft facility on his current account. He has also said the bank failed in its duty of care to support him as a vulnerable consumer. Background... (5 pages)View decision -
Decision Reference DRN-4974299
28 Feb 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4974299 The complaint Mrs S is complaining about Bank of Scotland plc trading as Halifax because it declined to refund money she lost as a result of fraud. What happened Sadly, Mrs S fell victim to a cruel investment scam. She was introduced to what she thought was a genuine investm... (3 pages)View decision
