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-4880528
8 Aug 2024 Payver Limited UpheldBanking and PaymentsDRN-4880528 The complaint Mr R complains Payver Limited (Payver) unfairly returned to sender two payments from his account. What happened Mr R opened an account with Payver in early January 2023. On 20 January 2023 Payver asked for evidence specifically relating to two incoming payment... (3 pages)View decision -
Decision Reference DRN-4712351
8 Aug 2024 Bank of Scotland Plc UpheldMortgagesDRN-4712351 The complaint Mr and Mrs K complain about the actions of Bank of Scotland trading as Halifax when it continued with legal action as they were taking out an equity release mortgage to replace the interest-only mortgage they had with Halifax. What happened Mr and Mrs K took ou... (3 pages)View decision -
Decision Reference DRN-4955027
8 Aug 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4955027 The complaint Mrs H is complaining about Lloyds Bank PLC because she says it lent irresponsibly by providing her with a credit card and credit limit increases that she couldn’t afford. What happened In 2000, Mrs H took out a credit card with an initial credit limit of £4,000... (4 pages)View decision -
Decision Reference DRN-4910782
8 Aug 2024 Evergreen Finance London Limited UpheldConsumer CreditDRN-4910782 The complaint Mr S complains through a representative that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided him with loans without carrying out sufficient affordability checks. What happened A summary of Mr S’s borrowing can be found below.... (4 pages)View decision -
Decision Reference DRN-4945327
8 Aug 2024 Uniq Family Wealth Ltd UpheldPensions and AnnuitiesDRN-4945327 The complaint Mrs M complains that Uniq Family Wealth Ltd (Uniq) gave her unsuitable advice to transfer her personal pension plan (PPP) causing her losses. She wants the losses refunded. What happened Mrs M’s financial adviser recommended a PPP with Royal London in 2015. Th... (8 pages)View decision -
Decision Reference DRN-4616093
8 Aug 2024 Barclays Bank UK PLC UpheldMortgagesDRN-4616093 The complaint Mr and Mrs O’s complaint is about a mortgage they have with Barclays Bank UK PLC. Their concerns are three-fold: That Barclays refused to change their mortgage to an interest-only basis in 2021 as it didn’t take an income stream into account. In 2023 Barcla... (4 pages)View decision -
Decision Reference DRN-4954820
8 Aug 2024 RCI Financial Services Limited UpheldConsumer CreditDRN-4954820 The complaint Mrs P complains about a car that she acquired using a hire agreement with RCI Financial Services Limited (“RCI”). She says the handbrake was faulty and this caused damage to the car. What happened In October 2021, Mrs P entered into a three-year hire agreement ... (3 pages)View decision -
Decision Reference DRN-4951087
8 Aug 2024 Western Provident Association Limited UpheldInsuranceDRN-4951087 The complaint Mrs A complains that Western Provident Association Limited (WPA) has turned down a claim she made on a personal private medical insurance policy. What happened The background to this complaint is well-known to both parties. So I’ve simply set out a summary of w... (5 pages)View decision -
Decision Reference DRN-4845118
8 Aug 2024 Vitality Health Limited UpheldInsuranceDRN-4845118 The complaint Mrs W complains that Vitality Health Limited has unfairly declined her claim for surgery under her private medical insurance policy. What happened Mrs W has a private medical insurance policy which she had renewed every March since 2016. This is insured with V... (5 pages)View decision -
Decision Reference DRN-4944724
8 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4944724 The complaint Miss D complains that NewDay Ltd, trading as Aquacard, irresponsibly provided her with a credit card account she couldn’t afford. She’s also unhappy with the four credit limit increases (CLIs) it subsequently applied to the account. What happened In March 2020 ... (3 pages)View decision