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-4594142
16 Feb 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4594142 The complaint Miss L complaints that Santander UK Plc unfairly blocked and reported her accounts, which led to her funds being confiscated. She’d like compensation and for the funds to be returned to her. What happened The background to this case is well known to both parties, ... (3 pages)View decision -
Decision Reference DRN-4617852
16 Feb 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4617852 The complaint Mr M complains Moneybarn No.1 Limited (Moneybarn) irresponsibly entered into a conditional sale agreement because it didn’t carry out reasonable and proportionate checks to ensure the agreement was affordable. What happened Mr M entered into a conditional sale agr... (4 pages)View decision -
Decision Reference DRN-4613978
16 Feb 2024 Accelerant Insurance UK Limited UpheldInsuranceDRN-4613978 The complaint Mr S has complained that Accelerant Insurance UK Limited declined a claim he made under his workmanship warranty. Reference to Accelerant includes its agents and representatives. What happened As the circumstances of this complaint aren’t in dispute, I’ll summaris... (3 pages)View decision -
Decision Reference DRN-4625898
16 Feb 2024 Yorkshire Building Society UpheldBanking and PaymentsDRN-4625898 The complaint Mr J complains Yorkshire Building Society (YBS) didn’t transfer his individual savings account (ISA) correctly. What happened Mr J is represented by his mother. For ease I’ve only mentioned Mr J although some of the actions and submissions were made by his mother.... (5 pages)View decision -
Decision Reference DRN-4533367
16 Feb 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4533367 The complaint Mrs I is complaining about HSBC UK Bank Plc because she says it shouldn’t have approved her application for a credit card as the debt was unaffordable. What happened In 2017, Mrs I took out a credit card with HSBC with a limit of £3,000. The limit hasn’t changed s... (4 pages)View decision -
Decision Reference DRN-4625799
16 Feb 2024 Barclays Bank Plc UpheldInvestmentsDRN-4625799 The complaint Mr C complains about the way Barclays Bank Plc has handled an investment he made through it several years ago. He says that he is entitled to distributions from the investment, but nothing has been provided to him. What happened Mr C was a Barclays Wealth client a... (5 pages)View decision -
Decision Reference DRN-4624421
15 Feb 2024 ReAssure Life Limited UpheldPensions and AnnuitiesDRN-4624421 The complaint Mr S complains that ReAssure Life Limited has shown no understanding of how to administer his Section-32 buyout policy (S32 policy). Its errors include incorrect calculations and out of date values for the tax-free cash he’s entitled to, preventing him from access... (10 pages)View decision -
Decision Reference DRN-4625686
15 Feb 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4625686 The complaint The estate of Mrs E is unhappy with Barclays Bank UK PLC. Barclays had been asked by the estate to pay any bills from the late Mrs E’s bank account. But it didn’t pay the funeral bill. As the dispute has been handled by Mrs R I will refer to her throughout the dec... (3 pages)View decision -
Decision Reference DRN-4600698
15 Feb 2024 Creation Financial Services Limited UpheldConsumer CreditDRN-4600698 The complaint Mr C complains about a car he acquired under a hire purchase agreement with Creation Financial Services Limited (“Creation”). What happened In January 2022, Mr C entered into a regulated hire purchase agreement (“the agreement”) with Creation to acquire a used car... (2 pages)View decision -
Decision Reference DRN-4597230
15 Feb 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4597230 The complaint Mr S complains Vanquis Bank Limited has failed to respond fairly to a claim he brought under section 75 of the Consumer Credit Act 1974 (“CCA”). What happened I won’t go into great detail about the background to this complaint as it is well-known by now to all par... (3 pages)View decision
