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 125400 results
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Decision Reference DRN-4689980
21 Mar 2024 MotoNovo Finance Limited UpheldConsumer CreditDRN-4689980 The complaint Mr E is unhappy that a car supplied to him under a hire purchase agreement with MotoNovo Finance Limited was of an unsatisfactory quality. What happened On 4 November 2022, Mr E was supplied with a used car through a hire purchase agreement with MotoNovo. He part-... (4 pages)View decision -
Decision Reference DRN-4185787
21 Mar 2024 KD Wright Financial Services Limited UpheldInvestmentsDRN-4185787 The complaint Mr and Mrs R complain that they were given unsuitable advice to invest in an Enterprise Investment Scheme (EIS) by KD Wright Financial Services Limited (KDW). They’ve said had they known it was a high-risk investment, they wouldn’t have put their capital at risk. ... (6 pages)View decision -
Decision Reference DRN-4696545
21 Mar 2024 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4696545 The complaint Mr H – who has a representative – complains that he’s having problems with Bank of Scotland plc trading as Halifax’s new cards as they’re no longer embossed. What happened Mr H has an account with Halifax with a debit card and accounts with two other banks with ca... (4 pages)View decision -
Decision Reference DRN-4458966
21 Mar 2024 Alexander Hall Associates Limited UpheldMortgagesDRN-4458966 The complaint Mr and Mrs S complain that Alexander Hall Associates Limited submitted a mortgage application on their behalf with a different interest rate product to what they’d agreed. As a result, they ended up with an interest rate product that wasn’t suitable for them. What... (3 pages)View decision -
Decision Reference DRN-4388912
21 Mar 2024 Scottish Friendly Assurance Society Limited UpheldInvestmentsDRN-4388912 The complaint Mr S complains that Scottish Friendly Assurance Society Limited failed to pay him the closing balance of an ISA he held with the firm in a timely manner. What happened Mr S held an ISA with Scottish Friendly. Sadly, he is suffering from a terminal illness so has f... (3 pages)View decision -
Decision Reference DRN-4630151
21 Mar 2024 MBNA Limited UpheldBanking and PaymentsDRN-4630151 The complaint Mr H complains that the credit card he had from MBNA Limited was unaffordable to him. What happened Mr H was approved for a credit card with MBNA in April 2022. The credit limit was increased as follows: Date Credit Limit 4 Apr 2022 £7,200 27 Dec 2022 £12,200 Mr H... (3 pages)View decision -
Decision Reference DRN-4682542
21 Mar 2024 Halifax Share Dealing Limited UpheldInvestmentsDRN-4682542 The complaint Mr C’s complaint is about a dividend payment Halifax Share Dealing Limited trading as Bank of Scotland Share Dealing (‘HSDL’) paid to him, which it now says was an error. HSDL is asking Mr C to return the money. Mr C feels that both the timescale for repayment and... (4 pages)View decision -
Decision Reference DRN-4318194
21 Mar 2024 American Express Services Europe Limited UpheldBanking and PaymentsDRN-4318194 The complaint M complains that American Express Services Europe Limited (Amex) applied default markers to its credit file and haven’t refunded the value of membership points accrued on the account that were due to it. M is represented in bringing this complaint by one of its di... (4 pages)View decision -
Decision Reference DRN-4699958
21 Mar 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4699958 The complaint Mr R is seeking to recover approximately £36,000 from HSBC UK Bank Plc (‘HSBC’) which he lost from his account as a result of a scam. What happened I issued a provisional decision in December 2023 to explain why I thought Mr R’s complaint should be upheld in part.... (7 pages)View decision -
Decision Reference DRN-4610599
21 Mar 2024 Phoenix Life Limited UpheldPensions and AnnuitiesDRN-4610599 The complaint Mr K complained that he has suffered a financial loss as a result of Standard Life Assurance Limited delaying the implementation of a court approved pension sharing order (PSO) issued as a result of his divorce. The organisation ultimately responsible for Standard... (4 pages)View decision
