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-4584471
7 Feb 2024 PSP Wealth Management Ltd UpheldInvestmentsDRN-4584471 The complaint Mr and Mrs G complain that they received unsuitable investment advice from PSP Wealth Management Ltd (PSP) in November 2012. In particular, they felt it exposed them to too much risk and their future needs and circumstances weren’t considered. Mr and Mrs G are bei... (7 pages)View decision -
Decision Reference DRN-4487597
7 Feb 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4487597 The complaint Mr I complains that HSBC Bank Plc (‘HSBC’) won’t refund the money he lost as a result of an investment scam. He’s being supported by a representative. To keep things simple, I’ll refer to Mr I throughout this decision. What happened The background to this complain... (7 pages)View decision -
Decision Reference DRN-4607310
7 Feb 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4607310 The complaint Mr T complains about the due diligence London & Colonial Services Limited (L&C) undertook before accepting Mr T’s application for a Self-Invested Personal Pension (SIPP). Mr T complains that L&C failed to identify that the proposed investment to be hel... (42 pages)View decision -
Decision Reference DRN-4550623
7 Feb 2024 HDI Global Specialty SE UpheldInsuranceDRN-4550623 The complaint Mr I is unhappy with the service provided by HDI Global Specialty SE (HDI) following a claim on his home insurance policy. HDI is the underwriter of this policy. Part of this complaint concerns the actions of the agents involved in the claim. HDI has accepted it i... (7 pages)View decision -
Decision Reference DRN-4547185
7 Feb 2024 Capital One (Europe) plc UpheldBanking and PaymentsDRN-4547185 The complaint Mr P complains that credit limit increases offered by Capital One (Europe) plc, and a second credit card it lent him, were unaffordable. What happened Mr P took out a credit card with Capital One in November 2018, with an initial credit limit of £1,000. In Februar... (4 pages)View decision -
Decision Reference DRN-4366903
7 Feb 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4366903 The complaint Mr H complains that Barclays Bank UK PLC closed his accounts without notice. What happened Mr H had an account with Barclays. In February 2023, Barclays wrote to Mr H to say that it had decided to immediately close his account. Mr H says the first he knew about th... (2 pages)View decision -
Decision Reference DRN-4271062
7 Feb 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4271062 The complaint Miss N complains that HSBC UK Bank Plc didn’t do enough to prevent the loss she suffered when she sent money to an HSBC account as the result of a scam. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a ... (3 pages)View decision -
Decision Reference DRN-4605930
7 Feb 2024 American Express Services Europe Limited (AESEL) UpheldBanking and PaymentsDRN-4605930 The complaint Mr A complains that American Express Services Europe Limited (AESEL) reduced his credit limit from £6000 to £900. He’s unhappy that when he asked to appeal the credit limit reduction, he wasn’t told that there was a fourteen day time limit for providing his docume... (2 pages)View decision -
Decision Reference DRN-4452939
7 Feb 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4452939 The complaint Mr M has complained about delays he experienced when attempting to transfer cash ISAs from another provider to Barclays Bank UK PLC. What happened In January 2023 Mr M elected to move cash ISAs that he held with three other providers, and he says were earning very... (3 pages)View decision -
Decision Reference DRN-4606349
7 Feb 2024 Bank of Scotland Plc UpheldMortgagesDRN-4606349 The complaint Mr and Mrs H complain that Bank of Scotland plc, trading as Birmingham Midshires Mortgages (BM), gave them wrong information about porting the interest rate product on their buy-to-let mortgage to a new property, and they have lost out as a result. What happened M... (4 pages)View decision
