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 120469 results
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Decision Reference DRN-3623095
2 Sep 2022 PayPal (Europe) Sarl et Cie SCA UpheldBanking and PaymentsDRN-3623095 The complaint Ms S complains PayPal (Europe) Sarl et Cie SCA (PayPal) compromised her personal details. What happened Ms S was in contact with PayPal and spoke to one of its advisors. Following this conversation, Ms S began to get suspicious, or spam emails, apparently from Pay... (2 pages)View decision -
Decision Reference DRN-1028269
2 Sep 2022 Santander UK Plc UpheldInsuranceDRN-1028269 The complaint This complaint is about a payment protection insurance (PPI) policy taken out with a personal loan in 2004. Mr O says Santander UK Plc mis-sold him the PPI. What happened Your text here What I’ve decided – and why I’ve considered all the available evidence and arg... (2 pages)View decision -
Decision Reference DRN-3665283
2 Sep 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3665283 The complaint Mr L complains through his representative that Loans 2 Go irresponsibly lent him money on high cost loans he couldn’t afford to repay. What happened Loans 2 Go provided Mr L with the following loans: Date Amount Term Monthly repayment Date repaid Loan 1 16/12/2019... (4 pages)View decision -
Decision Reference DRN-3660348
2 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3660348 The complaint Mr P complains (through a representative) that Morses Club PLC (Morses) didn’t carry out proper affordability checks before it advanced his loans. What happened Mr P took three loans between June 2021 and March 2022. I’ve included some of the information we’ve rec... (5 pages)View decision -
Decision Reference DRN-3464412
1 Sep 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3464412 The complaint Mr J complains that Bank of Scotland plc trading as Halifax (“Halifax”) irresponsibly increased his credit card limit when he was struggling with his finances. What happened Mr J applied for and was provided with a Halifax credit card account in 2009. Halifax agre... (4 pages)View decision -
Decision Reference DRN-3666768
1 Sep 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3666768 The complaint Ms B complains that two loans were lent to her by Evergreen Finance London Limited, trading as MoneyBoat.co.uk, when she could not afford them. And Ms B complains that before pursuing her through the Courts for the debt on loan 2 MoneyBoat ought to have done more.... (8 pages)View decision -
Decision Reference DRN-3451343
1 Sep 2022 Scottish Friendly Assurance Society Limited UpheldInsuranceDRN-3451343 The complaint Ms A complains that Scottish Friendly Assurance Society Limited (“SFAS”) unfairly continued to charge premiums for her income protection policy during its final year when she wouldn’t have been able to claim due to a 52-week deferral period. What happened Ms A hel... (2 pages)View decision -
Decision Reference DRN-3675924
1 Sep 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3675924 The complaint Mrs T is complaining about the way Barclays Bank UK PLC handled a chargeback claim she made on her Barclays credit card (Barclaycard). What happened In September 2019 Mrs T paid a £300 deposit for a trip for her daughter and daughter’s partner. She paid the deposi... (4 pages)View decision -
Decision Reference DRN-3481784
1 Sep 2022 Vitality Health Limited UpheldInsuranceDRN-3481784 The complaint Ms D and X have complained that Vitality Health Limited (‘Vitality’) failed to pay for treatment X needed. What happened Ms D and X have private medical insurance, underwritten by Vitality. In March 2021, X was referred to a consultant by his GP for a consultation... (3 pages)View decision -
Decision Reference DRN-3678659
1 Sep 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3678659 The complaint Mr F complains that HSBC UK Bank Plc closed his account without giving him the required notice. What happened Mr F had a basic bank account with HSBC. On 19 October 2021, HSBC wrote to Mr F to tell him it was closing his account. The account closed soon after. Mr ... (4 pages)View decision
