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 119791 results
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Decision Reference DRN-4381706
3 Nov 2023 Think Money Limited UpheldBanking and PaymentsDRN-4381706 The complaint Miss W complains Think Money Limited (TML) blocked and closed her account. She also complains that TML haven’t released money that was paid into her account to her and sent it back to source. What happened Miss W had an account with TML. Miss W says she used the a... (3 pages)View decision -
Decision Reference DRN-4430206
3 Nov 2023 Creation Consumer Finance Ltd UpheldBanking and PaymentsDRN-4430206 The complaint Mr M complains about the way Creation Consumer Finance Ltd (“Creation”) has administered his credit card account. What happened Mr M brought a previous complaint to our service about Creation which was resolved under a separate reference. In that complaint, Creati... (3 pages)View decision -
Decision Reference DRN-4433219
3 Nov 2023 Capital One (Europe) plc UpheldBanking and PaymentsDRN-4433219 The complaint Mrs R says Capital One (Europe) plc irresponsibly lent to her. What happened Mrs R applied for a credit card online on 25 September 2022. She was approved and given a £1,500 limit. Mrs R says Capital One did not carry out the right checks. Capital One says it carr... (3 pages)View decision -
Decision Reference DRN-4362978
3 Nov 2023 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-4362978 The complaint Mr G complains about a hire purchase agreement administered and managed by BMW Financial Services(GB) Limited (“BMWFS”). He says the agreement was mis-sold and unaffordable. What happened On 14 August 2019 Mr G entered into an agreement with BMWFS for a used car c... (5 pages)View decision -
Decision Reference DRN-3882558
3 Nov 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3882558 The complaint Mr H complains that Options UK Personal Pensions LLP (formerly Carey Pensions) (‘Options’) shouldn’t have accepted a transfer of his occupational pension scheme into a self-invested personal pension (‘SIPP’). He wants to be put back into the position he would have... (40 pages)View decision -
Decision Reference DRN-4068676
3 Nov 2023 CST Wealth Management Limited UpheldPensions and AnnuitiesDRN-4068676 The complaint Mr D complains about the advice given by CST Wealth Management Limited to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a personal pension. He says the advice was unsuitable for him and believes this has caused a financial lo... (7 pages)View decision -
Decision Reference DRN-3991978
3 Nov 2023 Folk2Folk Limited UpheldInvestmentsDRN-3991978 The complaint Mr R complains that Folk2Folk Limited didn’t pay him interest due on a loan he invested in, following an early redemption by the borrower. What happened Mr R holds a peer-to-peer crowdfunding account with Folk2Folk in which he lends money to borrowers in return fo... (3 pages)View decision -
Decision Reference DRN-4435194
3 Nov 2023 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4435194 The complaint Mr R is unhappy that Monzo Bank Ltd won’t refund money he lost as a result of a scam. What happened On 13 October 2023, I wrote to both parties with my provisional findings. I wanted to give both sides a chance to provide any further evidence and arguments before ... (4 pages)View decision -
Decision Reference DRN-4419214
3 Nov 2023 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4419214 The complaint Mrs F complains about the quality of a sofa she purchased under a fixed sum loan agreement (“agreement”) with Creation Consumer Finance Ltd (“Creation”). What happened On, or around, 9 October 2022 Mrs F entered into an agreement with Creation for a sofa purchased... (3 pages)View decision -
Decision Reference DRN-4348527
3 Nov 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4348527 The complaint Mr and Mrs B complain that Barclays Bank UK PLC won’t refund the money they lost, after they fell victim to an Authorised Push Payment (“APP”) scam. What happened The background of this complaint is well known to both parties, so I won’t repeat it in detail here. ... (4 pages)View decision
