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-3645621
31 Aug 2022 Bank of Scotland Plc UpheldMortgagesDRN-3645621 The complaint Mr and Mrs F have complained about the way Bank of Scotland plc trading as Halifax has dealt with their mortgage account. In particular, they say that, because there was a block on their Halifax current account, they weren’t able to make payments towards their mor... (3 pages)View decision -
Decision Reference DRN-3651370
31 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3651370 The complaint Mr R complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened In January 2019 Mr R applied for a credit card with Aqua. In his application, Mr R said he was self e... (3 pages)View decision -
Decision Reference DRN-3632777
31 Aug 2022 Rowanmoor Personal Pensions Limited UpheldPensions and AnnuitiesDRN-3632777 The complaint Mr S complains about Rowanmoor Personal Pensions Limited, in relation to: The mis-sale and maladministration of his Self-Invested Personal Pension (SIPP). The failure to disclose the relationship between Regency and Rowanmoor to him. The failure to conduct adeq... (15 pages)View decision -
Decision Reference DRN-3673160
31 Aug 2022 The Mortgage Works (UK) Plc UpheldMortgagesDRN-3673160 The complaint Mr S complains about repeated incorrect information from The Mortgage Works (UK) Plc (“TMW”). He said he’d lost faith in the company, so he moved his mortgage elsewhere. He wanted TMW to refund his Early Repayment Charge (“ERC”) and pay compensation. What happened... (4 pages)View decision -
Decision Reference DRN-3293534
31 Aug 2022 National Savings and Investments UpheldBanking and PaymentsDRN-3293534 The complaint Mr A complains that he has been unable to register a Lasting Power of Attorney (LPA) arrangement on his mother’s behalf with National Savings and Investments (NS&I). What happened Mrs A arranged for a LPA arrangement to be put in place in 2019, naming Mr A as ... (2 pages)View decision -
Decision Reference DRN-3673454
31 Aug 2022 The Car Finance Company (2007) Ltd UpheldConsumer CreditDRN-3673454 The complaint Miss B complains that a used car she got with a hire purchase agreement (HPA) from The Car Finance Company (2007) Limited (TCFC) was of unsatisfactory quality. And she doesn’t think she should have to pay anything further towards the finance because she rejected t... (5 pages)View decision -
Decision Reference DRN-3412183
31 Aug 2022 Morses Club PLC UpheldConsumer CreditDRN-3412183 The complaint Ms C, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Using information from Morses, here is a brief loan table of the approved loans for Ms C. Loan Date Taken Date Repaid Instalments Amount Repayment 1 19/05/201... (6 pages)View decision -
Decision Reference DRN-3598262
31 Aug 2022 The Baxendale Insurance Company UpheldInsuranceDRN-3598262 The complaint Mr D has complained that The Baxendale Insurance Company have not offered a fair settlement for replacing his damaged piano. What happened Mr D held international move insurance with Baxendale. In August 2020 Mr D moved house and his piano was damaged in transit.... (3 pages)View decision -
Decision Reference DRN-3500177
31 Aug 2022 Marks & Spencer Financial Services plc UpheldConsumer CreditDRN-3500177 The complaint Mr B complains that Marks & Spencer Financial Services Plc (M&S) recorded adverse information on his credit file. What happened The details of this complaint are well known to both parties, so I won’t repeat them here. Instead, I’ll focus on the reasons fo... (3 pages)View decision -
Decision Reference DRN-3672854
31 Aug 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3672854 The complaint The estate of Mr R (“The Estate”) is unhappy that Bank of Scotland plc (“BOS”) released the proceeds of an account to someone who wasn’t entitled to them. What happened Sadly, in February 2018, Mr R died. At that time, a will written in 2017 named Mr R’s partner a... (4 pages)View decision
