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-4694872
20 Mar 2024 National Westminster Bank Plc UpheldMortgagesDRN-4694872 The complaint Mrs H’s complaint is about a buy-to-let mortgage she applied for with National Westminster Bank Plc (NatWest). While she considers approval of the mortgage was done in a timely manner, she thinks it took ‘an inordinate amount of time’ to finish the process and for... (4 pages)View decision -
Decision Reference DRN-4506371
19 Mar 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4506371 The complaint Ms K complains that Creation Consumer Finance Ltd failed to act responsibly or properly assess affordability when deciding whether to lend to her. She also believes she was scammed by the provider of the goods associated with the loan. Background to the complaint ... (5 pages)View decision -
Decision Reference DRN-4582568
19 Mar 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4582568 The complaint Mr A complains about how long NewDay Ltd, trading as Opus, took to unblock his credit card account after he made an overpayment. What happened On 5 September 2023, Mr A made a £6,507.50 balance transfer payment from a credit card with another bank to his NewDay cr... (2 pages)View decision -
Decision Reference DRN-4693958
19 Mar 2024 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-4693958 The complaint Mr G complains that The Royal Bank of Scotland Plc (RBS) closed his account without explanation. Mr G also says that RBS gave him incorrect information regarding his account balance and is unfairly asking him to repay money he doesn’t owe. What happened Mr G had a... (6 pages)View decision -
Decision Reference DRN-4631407
19 Mar 2024 UK Credit Limited UpheldConsumer CreditDRN-4631407 The complaint Mr B, through a representative, says UK Credit Limited lent to him irresponsibly. What happened Mr B took out a guarantor loan from UK Credit in March 2018. It was for £1,000 over 18 months. The monthly repayment was £82.34 and the total repayable was £1,482.12. I... (3 pages)View decision -
Decision Reference DRN-4508685
19 Mar 2024 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-4508685 The complaint Mr H has complained about the quality of a car he acquired under a conditional sale agreement with Santander Consumer (UK) plc T/A MG Motor Financial Services (SCUK). What happened To summarise, Mr H acquired a new car for £27,040 under a four-year conditional sal... (4 pages)View decision -
Decision Reference DRN-4689529
19 Mar 2024 Santander UK Plc UpheldMortgagesDRN-4689529 The complaint This complaint has been bought on behalf of A, a limited company, by its director. I’ll refer to the director as Ms F. Ms F says Santander UK Plc made errors when calculating capital repayments for A’s business loan. She asks for compensation and a better interest... (3 pages)View decision -
Decision Reference DRN-4550311
19 Mar 2024 National Westminster Bank Plc UpheldMortgagesDRN-4550311 The complaint Ms X is unhappy with how National Westminster Bank Plc (NatWest) has treated her, during a very difficult time and despite her being a vulnerable borrower. She says she has been repeatedly misinformed by NatWest which has caused her considerable worry and concern.... (5 pages)View decision -
Decision Reference DRN-4675410
19 Mar 2024 Hastings Insurance Services Limited UpheldInsuranceDRN-4675410 The complaint Mr B complained that Hastings Insurance Services Limited (Hastings) treated him unfairly when administering his car insurance policy. What happened Mr B took out car insurance through Hastings. After a while Hastings asked Mr B for some further information, so the... (2 pages)View decision -
Decision Reference DRN-4692602
19 Mar 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4692602 The complaint Mr M complains that Carey Pensions UK LLP (‘Carey’) (now called Options UK Personal Pensions LLP, but I’ll refer to Carey throughout for ease) failed to carry out sufficient due diligence on the investments made within his Self-Invested Personal Pension (‘SIPP’). ... (34 pages)View decision
