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-4853830
4 Jul 2024 National Savings and Investments UpheldBanking and PaymentsDRN-4853830 The complaint Mr P is unhappy that National Savings and Investments (“NS&I”) won’t honour an interest rate on an investment that they mistakenly told him was guaranteed. What happened Mr P held a one-year investment with NS&I that was due to mature on 3 February 2024. A... (3 pages)View decision -
Decision Reference DRN-4890884
4 Jul 2024 HSBC UK Bank Plc UpheldMortgagesDRN-4890884 The complaint Ms L and Mr V complain about delays when they redeemed their mortgage with HSBC UK Bank Plc. Mr V has dealt with the complaint throughout. He asks for compensation. What happened Funds were received by HSBC on 31 October 2022 to repay Ms L and Mr V’s mortgage. Mr ... (3 pages)View decision -
Decision Reference DRN-4662807
4 Jul 2024 LeasePlan UK Limited UpheldConsumer CreditDRN-4662807 The complaint Mr F complains about the quality of car supplied to him on finance by LeasePlan UK Limited (‘LP’). What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my informal remit. Mr F lea... (4 pages)View decision -
Decision Reference DRN-4862277
4 Jul 2024 Turney & Associates Ltd UpheldMortgagesDRN-4862277 The complaint Mr H and Mr Y complain about poor advice from Turney & Associates Ltd (who I’ll refer to as T&A) when they took advice about a mortgage for a self-build property. Mr H and Mr Y say they shouldn’t have to pay T&A’s broker’s fee. What happened Mr H and M... (4 pages)View decision -
Decision Reference DRN-4888918
4 Jul 2024 TTT Moneycorp Limited UpheldBanking and PaymentsDRN-4888918 The complaint Mr W complains that TTT Moneycorp Limited pressured him into entering a forward foreign exchange contract and that it failed properly to explain the contract to him. What happened Mr W was buying a house abroad. He opened online accounts with three different forei... (7 pages)View decision -
Decision Reference DRN-4828945
4 Jul 2024 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4828945 The complaint Mrs R complains that Specialist Motor Finance Limited (SMFL) irresponsibly entered into a hire purchase agreement with her. She says she was struggling financially at the time and couldn’t afford the repayments. What happened In August 2018 SMFL provided Mrs R wit... (4 pages)View decision -
Decision Reference DRN-4634158
4 Jul 2024 Starling Bank Limited UpheldBanking and PaymentsDRN-4634158 The complaint Miss M is unhappy that Starling Bank Limited won’t reimburse her after she fell victim to a scam. What happened Miss M was introduced to an investment opportunity by someone she considered a close friend. This friend said they had made significant profits by inves... (4 pages)View decision -
Decision Reference DRN-4803970
4 Jul 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4803970 The complaint Mr D complains that Monzo Bank Ltd blocked and then closed his account. It then did not return to him all the funds which had been in the account. What happened Mr D held an account with Monzo. Amongst other things, he used it to trade crypto-currency. On 25 Novem... (2 pages)View decision -
Decision Reference DRN-4714918
4 Jul 2024 Principality Building Society UpheldMortgagesDRN-4714918 The complaint Mrs D complains that Principality Building Society (Principality) will not send its correspondence in large print unless she contacts it each time by telephone. She considers Principality to have breached the Equality Act 2010. What happened Mrs D contacted Princi... (4 pages)View decision -
Decision Reference DRN-4890394
4 Jul 2024 American Express Services Europe Limited UpheldBanking and PaymentsDRN-4890394 The complaint Mr F complains about various aspects of service provided by American Express Services Europe Limited (Amex). What happened Mr F has an Amex credit card. In September 2023, he had a limit of £600. The statement dated 28 September 2023 had a balance of £302.02, due ... (4 pages)View decision