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 125299 results
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Decision Reference DRN-3989929
19 May 2023 Starling Bank Limited UpheldBanking and PaymentsDRN-3989929 The complaint Mr H complains that Starling Bank Limited withheld funds and registered information about him with the UK’s fraud database CIFAS. What happened Mr H had an account with Starling. In October 2020, Mr H received a payment from a third party. In November 2020 Mr H re... (4 pages)View decision -
Decision Reference DRN-4138646
19 May 2023 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-4138646 The complaint Mrs B complains about the application of end of contract damage charges by Mercedes- Benz Financial Services UK Limited (‘MBFS’). What happened Mrs B took out a hire agreement with MBFS in May 2019 and returned the car at the end. When she did MBFS inspected it mo... (4 pages)View decision -
Decision Reference DRN-4035240
19 May 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4035240 The complaint Mr P complains Everyday Lending Limited trading as Everyday Loans provided him with an unaffordable loan. Mr P is represented by a claims management company, but for ease I’ll refer to all submissions as though they are his own. What happened In September 2018 Mr ... (4 pages)View decision -
Decision Reference DRN-4102168
19 May 2023 TSB Bank plc UpheldBanking and PaymentsDRN-4102168 The complaint Mrs J and Mr J complain that TSB Bank plc (TSB) defaulted their joint account and passed it to a debt collection agency (DCA). What happened Mrs J and Mr J opened their account with TSB in 2011. By 2019, they had an overdraft limit of £3,000. They ran into financi... (5 pages)View decision -
Decision Reference DRN-3758354
19 May 2023 DAS Legal Expenses Insurance Company Limited UpheldInsuranceDRN-3758354 The complaint Mr and Mrs B have complained about DAS Legal Expenses Insurance Company Limited’s refusal to provide cover under the legal expenses section of their household insurance policy. What happened In 2015 Mrs B made an application to the employment tribunal against her ... (5 pages)View decision -
Decision Reference DRN-4140279
19 May 2023 Scottish Equitable Plc UpheldPensions and AnnuitiesDRN-4140279 The complaint In 2022 Mr D transferred his group pension assets into a Self-Invested Personal Pension (‘SIPP’) administered by Scottish Equitable Plc trading as Aegon. His case is about the liquidation element of the fund switch, within the SIPP, that he instructed on 11 Septem... (7 pages)View decision -
Decision Reference DRN-4126402
19 May 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4126402 The complaint Mrs W complains about errors by Tesco Personal Finance PLC when she closed her credit card. What happened Mrs W had a credit card with Tesco. In April 2022 Mrs W made a payment of £200 towards the outstanding balance and in May 2022 she made a final payment of £17... (2 pages)View decision -
Decision Reference DRN-3833433
19 May 2023 Funding Circle Ltd UpheldInvestmentsDRN-3833433 The complaint Mr H complains that Funding Circle Ltd provided misleading information when he invested in a peer to peer (P2P) opportunity it promoted on its platform. He says the loan was misrepresented and negligently managed, and as a result he has suffered a financial loss.... (9 pages)View decision -
Decision Reference DRN-3715520
19 May 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3715520 The complaint Miss B has complained that HSBC UK Bank Plc has refused to refund her a £1,800 ‘faster payment’ which she says she didn’t make to an existing payee on her online account. Miss B said she had been contacted by someone claiming to be from HSBC who then locked her ac... (3 pages)View decision -
Decision Reference DRN-4093828
19 May 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4093828 The complaint E complains about delays by Lloyds Bank PLC following an application to open a business bank account. What happened On 13 March 2022 E’s director, Mr S, applied for a business account with Lloyds. Lloyds has explained it needed certified documents to complete the... (2 pages)View decision
