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 121262 results
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Decision Reference DRN-3649548
21 Nov 2022 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3649548 The complaint Mr K complains that Tesco Personal Finance PLC, trading as Tesco Bank, won’t reimburse the funds he lost when he fell victim to an investment scam. What happened The detailed background to this complaint is well known to the parties, so I won’t repeat it again her... (4 pages)View decision -
Decision Reference DRN-3530464
21 Nov 2022 Ikano Bank AB (publ) UpheldConsumer CreditDRN-3530464 The complaint Mr F complains about the way that Ikano Bank AB (publ) (‘Ikano’) handled his claim for money back in respect of carpets he bought using a loan from it. What happened In November 2019 Mr F bought carpets for his house from a supplier I’ll call S at a cost of £2,651... (4 pages)View decision -
Decision Reference DRN-3802539
21 Nov 2022 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3802539 The complaint Mr and Mrs S have complained that National Westminster Bank Plc (“NatWest”) acted unfairly by continuing to apply charges to their account when they were in financial difficulty. What happened Mr and Mrs S complained to NatWest that the charges applied to their ov... (3 pages)View decision -
Decision Reference DRN-3703996
21 Nov 2022 PayrNet Limited UpheldBanking and PaymentsDRN-3703996 The complaint Mr D is unhappy that PayrNet Limited blocked his account after he deposited £500 in it and won’t return the money to him following his subsequent decision to close the account. What happened Mr D opened an account with PayrNet in September 2021 and deposited £500 ... (4 pages)View decision -
Decision Reference DRN-3784087
21 Nov 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3784087 The complaint Mr D says Bank of Scotland (“BOS”) trading as Halifax acted unfairly by continuing to apply charges to his account when he was struggling financially. If BOS had reviewed his overdraft usage it would’ve realised he wouldn’t have been able to repay what he owed wit... (3 pages)View decision -
Decision Reference DRN-3205156
21 Nov 2022 HDI Global Specialty SE UpheldInsuranceDRN-3205156 The complaint Mrs A complains that HDI Global Specialty SE (HDI) has unfairly limited her claim pay-out for damage sustained to her home during a storm. And has provided an unrealistic quote for the repairs. The policy is in Mrs A’s sole name, so I have just referred to her thr... (4 pages)View decision -
Decision Reference DRN-3802932
21 Nov 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3802932 The complaint Ms F says Barclays Bank UK PLC, trading as Barclaycard, irresponsibly lent to her. What happened Ms F applied for a Barclaycard in July 2014. She was approved and given a credit limit of £7,700. In July 2019 this was increased to £9,200. Ms F says the credit was b... (3 pages)View decision -
Decision Reference DRN-3813002
21 Nov 2022 Calpe Insurance Company Limited UpheldInsuranceDRN-3813002 The complaint Mr M, represented by his mother, Ms M, has complained about his motor insurer, Calpe Insurance Company Limited because it avoided his cover and, by association, declined his claims made following an accident. What happened Mr M’s policy with Calpe renewed in May 2... (5 pages)View decision -
Decision Reference DRN-3812680
21 Nov 2022 St Andrew's Insurance plc UpheldInsuranceDRN-3812680 The complaint Mrs and Ms K are unhappy with the way St Andrew’s Insurance Plc has handled a claim they made under their home insurance policy for subsidence. Reference to St Andrew’s includes its agents and representatives. Mrs K lives at the home and has been represented by he... (9 pages)View decision -
Decision Reference DRN-3811409
21 Nov 2022 ReAssure Limited UpheldInsuranceDRN-3811409 The complaint Miss B is unhappy that ReAssure Limited has stopped paying a claim she made on a mortgage payment protection plan. What happened Miss B has an insurance policy which is designed to cover her monthly mortgage repayments if she is unable to work because she’s ill. M... (4 pages)View decision
