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-4689244
18 Mar 2024 TSB Bank plc UpheldBanking and PaymentsDRN-4689244 The complaint A company which I’ll call ‘L’ complains that TSB Bank Plc wouldn’t remove a restriction from their account which had been applied incorrectly as a result of a HMRC error. The complaint is brought on L’s behalf by their director, Mr B. What happened L held a busine... (5 pages)View decision -
Decision Reference DRN-4462763
18 Mar 2024 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-4462763 The complaint Mr J complains that Shop Direct Finance Company Limited irresponsibly granted him two running account credit agreements he couldn’t afford. What happened Shop Direct gave Mr J two running credit accounts. The first was granted in January 2016 with a limit of £1,00... (3 pages)View decision -
Decision Reference DRN-4444103
18 Mar 2024 Metro Bank PLC UpheldConsumer CreditDRN-4444103 The complaint Mr J complains that Metro Bank PLC trading as RateSetter irresponsibly granted him access to a loan. Mr J says had proper checks been carried out, the loan wouldn’t have been granted. What happened RateSetter lent Mr J a loan in October 2021, the loan was for £7,0... (3 pages)View decision -
Decision Reference DRN-3990471
18 Mar 2024 HFMC Wealth Partners LLP UpheldPensions and AnnuitiesDRN-3990471 The complaint Mr H complains about the advice given by HMFC Wealth Partners LLP (‘HMFC’) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a self-invested personal pension (‘SIPP’). He says the advice was unsuitable for him and believes thi... (13 pages)View decision -
Decision Reference DRN-4688114
18 Mar 2024 Lloyds Bank PLC UpheldConsumer CreditDRN-4688114 The complaint Mr I complains that Lloyds Bank PLC irresponsibly lent to him. What happened I issued a provisional decision where I set out a detailed background to this complaint, so I won’t repeat the background here. My provisional decision forms part of this final decision a... (3 pages)View decision -
Decision Reference DRN-4428844
18 Mar 2024 HSBC UK Bank Plc UpheldMortgagesDRN-4428844 The complaint Mr C has complained about calls he’s receiving from HSBC UK Bank Plc about his jointly held mortgage account. The relationship broke down and Mr C says he left the mortgaged property, with his ex-partner (who I’ll refer to as Ms R) continuing to reside in it. Mr C... (3 pages)View decision -
Decision Reference DRN-4527570
18 Mar 2024 Barclays Bank UK PLC UpheldMortgagesDRN-4527570 The complaint This complaint is about an interest-only mortgage Mrs and Mr G used to hold with Barclays Bank UK PLC. They redeemed the mortgage after Barclays declined their request for a term extension. Their complaint is that if Barclays had given them a definitive indication... (3 pages)View decision -
Decision Reference DRN-4649835
18 Mar 2024 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-4649835 The complaint Mr S complains Royal & Sun Alliance Insurance Limited (RSA) failed to arrange for rectification work to be completed to his car after unsatisfactory repairs were made. And it gave poor service throughout his claim. There are several parties and representatives... (2 pages)View decision -
Decision Reference DRN-4400009
18 Mar 2024 Barclays Bank UK PLC UpheldMortgagesDRN-4400009 The complaint This complaint is about an offset mortgage Ms B holds with Barclays Bank UK PLC. There are two broad strands to the complaint, which are: even though Ms B’s mortgage is what is known as fully offset (that is, where her saving balances exceeds the mortgage debt) s... (2 pages)View decision -
Decision Reference DRN-4683586
18 Mar 2024 Barclays Bank UK PLC UpheldMortgagesDRN-4683586 The complaint Mr C complains that Barclays Bank UK PLC has treated him unfairly when it failed to action his requests for overpayments correctly. What happened Mr C took out a new mortgage with Barclays in September 2022 with a balance of £380,000. He also had an existing mortg... (3 pages)View decision
