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 128312 results
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Decision Reference DRN-4977231
20 Aug 2024 Mattioli Woods PLC UpheldPensions and AnnuitiesDRN-4977231 The complaint Mrs H has complained about delays in accessing her pension held with Mattioli Woods PLC (‘Mattioli’). This had been transferred in from other providers in 2015 and had an element of protected tax-free cash. Mrs H has stated Mattioli took too long to calculate t... (7 pages)View decision -
Decision Reference DRN-4973082
20 Aug 2024 RCI Financial Services Limited UpheldConsumer CreditDRN-4973082 The complaint Mrs K is unhappy with a car she acquired under a hire purchase agreement provided by RCI Financial Services Limited trading as Nissan Financial Services (‘RCI’). What happened In June 2023, Mrs K entered into a hire purchase agreement with RCI to acquire a new ... (5 pages)View decision -
Decision Reference DRN-4962042
20 Aug 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4962042 The complaint Mr J complains about the way HSBC UK Bank plc (‘HSBC’) handled his Data Subject Access Request (‘DSAR’) which he made to obtain statements for a closed credit card. Mr J says that due to HSBC’s actions he was unable to pursue a court claim before it became sta... (4 pages)View decision -
Decision Reference DRN-4976334
20 Aug 2024 Mattioli Woods PLC UpheldPensions and AnnuitiesDRN-4976334 The complaint Mr H has complained about delays in accessing his pension held with Mattioli Woods PLC (‘Mattioli’). This had been transferred in from other providers in 2015 and had an element of protected tax-free cash. Mr H has stated Mattioli took too long to calculate his... (7 pages)View decision -
Decision Reference DRN-4728019
20 Aug 2024 Blue Motor Finance Ltd UpheldConsumer CreditDRN-4728019 The complaint Mr N complains about the quality of the car he acquired through a hire purchase agreement with Blue Motor Finance Ltd (“Blue Motor”). What happened Despite numerous requests to each party, and for various reasons, the precise timeline of facts here is still dif... (5 pages)View decision -
Decision Reference DRN-4743595
20 Aug 2024 West Bay Insurance Plc UpheldInsuranceDRN-4743595 The complaint Mr R has complained about West Bay Insurance Plc. He isn’t happy about the valuation of his campervan after it was stolen, and he made a claim under his motor insurance policy. What happened Mr R’s campervan was stolen, and he reported the theft to the police a... (2 pages)View decision -
Decision Reference DRN-4973231
20 Aug 2024 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-4973231 The complaint Miss K says Sainsbury's Bank Plc irresponsibly lent to her. What happened Miss K opened a credit card account with Sainsbury’s Bank in March 2020. She was given a credit limit of £3,000. This was increased to £4,200 in June 2022. The account defaulted in O... (3 pages)View decision -
Decision Reference DRN-4968860
20 Aug 2024 Cabot Credit Management Group Limited UpheldConsumer CreditDRN-4968860 The complaint Mr M complains that Cabot Credit Management Group Limited trading as Cabot Financial (Europe) Limited (Cabot) incorrectly told him that it would remove a default from his credit file. What happened In April 2021, Cabot bought an outstanding credit card debt in ... (3 pages)View decision -
Decision Reference DRN-4963946
20 Aug 2024 Tymit Ltd UpheldBanking and PaymentsDRN-4963946 The complaint Mr B is complaining about Tymit Ltd because he says it lent irresponsibly by providing him with a credit card he couldn’t afford. What happened In October 2021, Mr B opened a credit card account with Tymit. The initial credit limit was £1,500. This was never in... (4 pages)View decision -
Decision Reference DRN-4814491
20 Aug 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4814491 The complaint Mr M complains that Santander Bank PLC (“Santander”) have failed to refund money that Mr M lost as part of two scams. What happened Mr M was contacted by someone who said they worked for a crypto trading company that I will call B. Mr M made a number of payment... (4 pages)View decision