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-4637790
22 Feb 2024 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4637790 The complaint Mr F complains that Clydesdale Bank Plc, trading as Virgin Money, won’t refund the money he lost when he was the victim of a scam. What happened In late 2021, Mr F wanted to make an investment to do more with his savings. He saw an advert online for an investment ... (5 pages)View decision -
Decision Reference DRN-4634732
22 Feb 2024 Western Circle Ltd UpheldConsumer CreditDRN-4634732 The complaint Mr M has complained that Western Circle Ltd trading as Cashfloat (“Cashfloat”) didn’t carry out sufficient affordability checks before it granted loans to him, Mr M says, if Cashfloat had done better checks, it would’ve seen that he already had a number of outstan... (5 pages)View decision -
Decision Reference DRN-4426835
22 Feb 2024 Healthcare Finance Limited UpheldConsumer CreditDRN-4426835 The complaint Miss H has complained that Healthcare Finance Limited, through its agent, continued to take monthly repayments from her account, even though the loan had been fully repaid. What happened Miss H had a loan with Healthcare Finance, which she repaid in full. However,... (1 page)View decision -
Decision Reference DRN-4508514
22 Feb 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4508514 The complaint Mr B complains National Westminster Bank Plc (NatWest) have defaulted his credit card account without agreeing this with him. What happened Mr B says during the 2020 / 2021 Pandemic like most of the country he had payment plans to help him with his current financi... (4 pages)View decision -
Decision Reference DRN-4637628
22 Feb 2024 Equifax Limited UpheldConsumer CreditDRN-4637628 The complaint Mr W complains Equifax Limited failed to remove a Notice of Correction (NOC) when he first asked them to. What happened On 17 July 2023 Mr W asked Equifax to remove a NOC from his credit file – the NOC listed a large number of accounts. On 21 July 2023 Equifax rep... (2 pages)View decision -
Decision Reference DRN-4637626
22 Feb 2024 Equifax Limited UpheldConsumer CreditDRN-4637626 The complaint Mrs W complains Equifax Limited added a third party to her credit file. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant elements of this below, and they form part of this final deci... (4 pages)View decision -
Decision Reference DRN-4499524
21 Feb 2024 Bhavik Shah IFA UpheldPensions and AnnuitiesDRN-4499524 The complaint Mr B complains about the outcome of the review carried out by Bhavik Shah IFA (“Bhavik Shah”) in connection with the FCA’s consumer redress scheme for the British Steel Pension Scheme (“BSPS”) – to make my findings easier to follow, I’ll refer to this as the “redr... (9 pages)View decision -
Decision Reference DRN-4637517
21 Feb 2024 Close Brothers Limited UpheldConsumer CreditDRN-4637517 The complaint Ms R complains that a car she has been financing through an agreement with Close Brothers Limited trading as Close Brothers Motor Finance (Close Brothers) was misrepresented to her. What happened In May 2019, Ms R entered into a 60 ... (5 pages)View decision -
Decision Reference DRN-4552083
21 Feb 2024 Haven Insurance Company Limited UpheldInsuranceDRN-4552083 The complaint Mr O complains that Haven Insurance Company Limited mishandled a claim on his motor insurance policy. What happened For the year from mid-June 2022, Mr O had a hatchback car insured on a policy with Haven. Unfortunately, in September 2022, Mr O reported that while... (2 pages)View decision -
Decision Reference DRN-4637384
21 Feb 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4637384 The complaint Ms G complains Monzo Bank Ltd closed her account without telling her and then defaulted her as she was approximately £30 overdrawn. Ms G says she wasn’t aware of this, and when she tried to pay Monzo Bank Ltd made it almost impossible for her to do so. What happen... (2 pages)View decision
