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-3669632
26 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3669632 The complaint Mrs H complains that NewDay Ltd provided her with two credit cards and increased the limit on both without adequately checking that she could afford any repayments. What happened Mrs H applied for and was provided with two credit cards by NewDay. The cards and dat... (5 pages)View decision -
Decision Reference DRN-3632988
26 Aug 2022 Shawbrook Bank Limited UpheldConsumer CreditDRN-3632988 Complaint Mr A has complained that Shawbrook Bank Limited (“Shawbrook”) rejected his claim against it under Section 75 of the Consumer Credit Act 1974. Background Mr A bought solar panels for his home in 2015. The purchase was funded by a loan from Shawbrook, and that business ... (3 pages)View decision -
Decision Reference DRN-3582733
26 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3582733 The complaint Ms B complains that NewDay Ltd (“NewDay”), trading as Marbles, provided credit that she couldn’t afford to repay. What happened NewDay approved a credit card application for Ms B in July 2018. The credit limit was set at £300 and was increased to £1,300 in Februar... (2 pages)View decision -
Decision Reference DRN-3663769
26 Aug 2022 Watford Insurance Company Europe Limited UpheldInsuranceDRN-3663769 The complaint Mr B complains that Watford Insurance Company Europe Limited cancelled his motor insurance policy and declined his claims. What happened Mr B was in an accident when he ran into the back of the car in front. His car was then stolen after being left in a safe place... (3 pages)View decision -
Decision Reference DRN-3669921
26 Aug 2022 Fortrade Limited UpheldInvestmentsDRN-3669921 The complaint Mr A complains, through his solicitors, about the service provided by Fortrade Limited. In short the solicitors complain that it: Was negligent in mis-representing the risks involved in trading Contracts for Difference (“CFD”). Misled Mr A about the extent of co... (8 pages)View decision -
Decision Reference DRN-3655201
26 Aug 2022 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-3655201 The complaint Mr A complains that Clydesdale Financial Services Limited trading as Barclays Partner Finance (BPF) irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In July 2015, Mr A acquired a used car financed by a conditional s... (3 pages)View decision -
Decision Reference DRN-3484543
26 Aug 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3484543 The complaint Mr W1, acting on behalf of the estate of Mr W, complains that Barclays Bank UK PLC didn’t make the agreed payment from the late Mr W’s account to cover the cost of his funeral. What happened Mr W1 says that a meeting was held with Barclays and it was understood th... (2 pages)View decision -
Decision Reference DRN-3364275
26 Aug 2022 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3364275 The complaint Miss O complains that National Westminster Bank PLC (NatWest) blocked and closed her accounts, without explaining why. And delayed releasing the account funds to her after it closed her accounts. What happened In July 2020, NatWest blocked Miss O’s accounts while ... (3 pages)View decision -
Decision Reference DRN-3669464
26 Aug 2022 National House-Building Council UpheldInsuranceDRN-3669464 The complaint Mr H complains that National House-Building Council (NHBC) declined a claim he made on his building warranty. What happened Mr H made a claim on his building warranty when he noticed rust showing through the render of his property. NHBC declined his claim on the b... (2 pages)View decision -
Decision Reference DRN-3613302
26 Aug 2022 FUND OURSELVES LIMITED UpheldConsumer CreditDRN-3613302 The complaint Mrs S complains that she was approved for loans by Fund Ourselves Limited when she could not afford them. What happened Using information from Fund Ourselves, then here is a brief loan table: Loan Date Amount Given or refused? If given – repaid when? The 2019 loan... (6 pages)View decision
