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 121479 results
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Decision Reference DRN-3874607
29 Dec 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3874607 The complaint Ms T complains HSBC UK Bank plc (HSBC) informed her she only paid £2,500 into her credit card account, despite the fact she held a bank stamped receipt for £3,000 and it has unfairly debited her credit card account with the difference. What happened Ms T says she ... (3 pages)View decision -
Decision Reference DRN-3825371
29 Dec 2022 Morses Club PLC UpheldConsumer CreditDRN-3825371 The complaint Mr M, through his representative, complains that Morses Club PLC, lent to him irresponsibly. What happened Mr M took seven loans and using the records Morses heas, here is a brief table. Loan Start Date End Date Capital Amount Interest amount Term Repayment amount... (5 pages)View decision -
Decision Reference DRN-3875092
29 Dec 2022 Nationwide Building Society UpheldBanking and PaymentsDRN-3875092 The complaint Mrs H is unhappy with the service she received from Nationwide Building Society surrounding the requested opening of an account. Mrs H’s complaint is brought to this service by her appointed representative, Mr G. What happened Mr G, who holds Power of Attorney for... (3 pages)View decision -
Decision Reference DRN-3875144
28 Dec 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3875144 The complaint Mrs A and Mr A complain that HSBC UK Bank Plc trading as first direct (firstdirect) didn’t make an international payment. What happened On 17 November 2021, Mrs A and Mr A instructed an international payment of £30,000 to a beneficiary in Canada. The instruction w... (4 pages)View decision -
Decision Reference DRN-3875137
28 Dec 2022 BW SIPP LLP UpheldPensions and AnnuitiesDRN-3875137 The complaint Mr A complains that BW SIPP LLP (BW) failed to undertake proper checks in relation to the investment he made. He also thinks BW failed to let him know about issues with the investment before it was valued at £0. What happened Mr A transferred his existing pension ... (14 pages)View decision -
Decision Reference DRN-3871266
28 Dec 2022 Metro Bank PLC UpheldBanking and PaymentsDRN-3871266 The complaint D, a limited company that is part of a business grouping, complains about the way that Metro Bank PLC dealt with an application for new accounts and that it will no longer provide any banking services. What happened The director of D explains that he wanted to ope... (3 pages)View decision -
Decision Reference DRN-3875123
28 Dec 2022 Shawbrook Bank Limited UpheldConsumer CreditDRN-3875123 The complaint Mr and Mrs S complains that Shawbrook Bank Limited (“Shawbrook”), has rejected the claim they made under sections 75 and 140 and of the Consumer Credit Act 1974 (“the Act”) in relation to a solar panel system including a voltage optimiser (“the system”). Mr and Mr... (9 pages)View decision -
Decision Reference DRN-3800744
27 Dec 2022 Plata Finance Limited UpheldConsumer CreditDRN-3800744 The complaint Mr S complains that Zopa Limited trading as Zopa (Zopa) marked his loan as in arrears; and hassled him. What happened In August 2019, Mr S borrowed £10,000 on a loan from Zopa. Total repayable was £13,378.59 at £371.63 each month. Payments were due 1 st monthly. D... (4 pages)View decision -
Decision Reference DRN-3814029
23 Dec 2022 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-3814029 The complaint Mr G complains about the quality of a used car that was supplied through a fixed sum loan agreement with Santander Consumer (UK) Plc (Santander). Mr G has been represented on this complaint, but to keep things simple I’ll only refer to Mr G in my decision. What ha... (4 pages)View decision -
Decision Reference DRN-3768210
23 Dec 2022 Gallium Fund Solutions Limited UpheldInvestmentsDRN-3768210 The complaint Mr S complains to Gallium Fund Solutions Limited (“Gallium”) about his investment into a three year bond issued by Basset & Gold Plc (“B&G Plc”). He says that he was he was mis- sold this investment as he was assured it was safe, asset backed and that his ... (24 pages)View decision
