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 125954 results
-
Decision Reference DRN-4091020
13 Oct 2023 Epayments Systems Ltd UpheldBanking and PaymentsDRN-4091020 The complaint Mr K complains that Epayments Systems Ltd have unfairly prevented him from gaining access to his funds. He’d like the funds released to him and compensation. What happened The facts of this case aren’t in dispute – so I’ll only briefly go over them here. Mr K held... (3 pages)View decision -
Decision Reference DRN-4315950
13 Oct 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4315950 Complaint Mr C is unhappy that HSBC UK Bank Plc didn’t reimburse him after he fell victim to an investment scam. Background In 2021, Mr C decided to invest his money in cryptocurrency. A trusted friend told him that he’d earned generous returns by using the services of a partic... (7 pages)View decision -
Decision Reference DRN-3980476
13 Oct 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3980476 The complaint Mr R complains that Options UK Personal Pensions LLP (formerly Carey Pensions) (‘Options’) shouldn’t have accepted a transfer of his occupational pension scheme into a self-invested personal pension (‘SIPP’). What happened In late 2012, Mr R says he was approached... (42 pages)View decision -
Decision Reference DRN-4146832
13 Oct 2023 Revolut Ltd UpheldBanking and PaymentsDRN-4146832 The complaint Miss A complains that Revolut Ltd did not refund a series of payments she lost as part of a scam. What happened Miss A received a phone call from someone claiming to be from Birmingham Crown Court but was really a scammer. They had managed to spoof the official nu... (3 pages)View decision -
Decision Reference DRN-4366064
13 Oct 2023 Ocaso SA, Compania de Seguros y Reaseguros UpheldInsuranceDRN-4366064 The complaint E complains about the way Ocaso SA, Compania de Seguros y Reaseguros dealt with a claim on a property insurance policy. When I refer to Ocaso, that includes its agents and claims handlers acting on its behalf. What happened E is the leasehold owner of a flat which... (5 pages)View decision -
Decision Reference DRN-4193674
13 Oct 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4193674 The complaint Mrs Q complains that NewDay Ltd, trading as Aqua, increased the limit on a credit card account, which she could not afford. What happened In March 2018 Aqua approved a credit card account with an initial limit of £250 for Mrs Q. It increased that limit three times... (3 pages)View decision -
Decision Reference DRN-3976663
13 Oct 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-3976663 The complaint Mr M complains that Options UK Personal Pensions LLP (“Options” – formerly Carey Pensions UK LLP) shouldn’t have accepted his application to transfer his occupational pension scheme into an Options self-invested personal pension (“SIPP”). He says Options failed to... (43 pages)View decision -
Decision Reference DRN-4281594
13 Oct 2023 Oodle Financial Services Limited UpheldConsumer CreditDRN-4281594 The complaint Mr K complains that the car he acquired through a hire purchase agreement with Oodle Financial Service Limited (“OFS”) wasn’t of satisfactory quality. He wants to reject the car and be reimbursed for the costs he’s incurred. What happened Mr K entered a hire purch... (4 pages)View decision -
Decision Reference DRN-4397358
13 Oct 2023 Clydesdale Bank Plc UpheldMortgagesDRN-4397358 The complaint Mr L and Mr M are unhappy that Clydesdale Bank Plc won’t allow them to switch their mortgage to interest only. What happened Mr L and Mr M took out a residential mortgage with Clydesdale Bank Plc (Clydesdale) in 2013. They borrowed around £340,000 over a 25 year t... (3 pages)View decision -
Decision Reference DRN-4278669
13 Oct 2023 Wise Payments Limited UpheldBanking and PaymentsDRN-4278669 Complaint Mr T is unhappy that Wise Payments Limited didn’t do more to protect him from an investment scam. Background The background to this complaint is well known to both parties so I’ll only summarise it briefly here. In September 2022, Mr T fell victim to an investment sca... (3 pages)View decision
