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 157006 results
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Decision Reference DRN-5273979
24 Feb 2025 The Governor and Company of the Bank of Ireland UpheldMortgagesDRN-5273979 The complaint This complaint is about a mortgage held jointly by Mr O and Mrs and Mr R with The Governor and Company of the Bank of Ireland trading as Bank of Ireland (hereafter referred to as BOI). In essence, there are three broad strands to the complaint; these are: in... (4 pages)View decision -
Decision Reference DRN-5319434
24 Feb 2025 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-5319434 The complaint Miss O’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Cred... (22 pages)View decision -
Decision Reference DRN-5264187
24 Feb 2025 National Westminster Bank Plc Not upheldMortgagesDRN-5264187 The complaint Mr G complains about how National Westminster Bank Plc treated him when he got into financial difficulty on his mortgage. He says it didn’t offer appropriate assistance, and ended up repossessing his property, leaving him homeless. What happened Mr G took out h... (5 pages)View decision -
Decision Reference DRN-5339044
24 Feb 2025 Topaz Finance Limited UpheldMortgagesDRN-5339044 The complaint Mr and Mrs H complain about a default Topaz Finance Limited trading as Heliodor Mortgages has reported in connection with an unsecured loan originally taken out in connection with a mortgage. What happened In 2006 Mr and Mrs H took a “Together” mortgage with th... (5 pages)View decision -
Decision Reference DRN-5351078
24 Feb 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5351078 The complaint Miss G complains about the service she received from HSBC UK Bank Plc (“HSBC”) regarding a direct debit indemnity claim she raised. In particular, she is unhappy at the time it took HSBC to cancel the claim. Miss G says as a result of this she’s suffered intere... (3 pages)View decision -
Decision Reference DRN-5340158
24 Feb 2025 Shawbrook Bank Limited UpheldConsumer CreditDRN-5340158 The complaint Miss O and Mr A’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and ... (20 pages)View decision -
Decision Reference DRN-4913366
24 Feb 2025 Revolut Ltd UpheldBanking and PaymentsDRN-4913366 The complaint Mr S complains that Revolut Ltd (Revolut) is refusing to refund him the amount he lost as the result of a scam. Mr S is being represented by a third party. To keep things simple, I will refer to Mr S throughout my decision. What happened The background of this ... (8 pages)View decision -
Decision Reference DRN-5306570
24 Feb 2025 Bank of Scotland Plc Not upheldMortgagesDRN-5306570 The complaint Mr M’s complaint is that Bank of Scotland plc trading as Halifax unfairly recorded a fraud marker against him during the course of a mortgage application. Mr M says this was the wrong decision, and that Halifax has never asked him for any more information that ... (2 pages)View decision -
Decision Reference DRN-5313295
24 Feb 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5313295 The complaint Mr A and Mrs K complain that Barclays Bank UK PLC (“Barclays”) failed to refund transactions they didn’t recognise. What happened Mrs K was the main account holder involved with this complaint, so I’ll mainly refer to her for ease of reading. Mrs K reported to ... (5 pages)View decision -
Decision Reference DRN-5305401
24 Feb 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5305401 The complaint Mr S complains that HSBC UK Bank Plc (“HSBC”) won’t allow him to set up a direct debit from his savings account to pay his credit card. What happened Mr S holds both a current account and savings account with HSBC. Mr S wished to set up a direct debit from his ... (2 pages)View decision
