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 125363 results
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Decision Reference DRN-3868157
10 Jan 2023 Consumer Compensation Bureau Ltd UpheldClaims ManagementDRN-3868157 The complaint Mrs H and Mr H complain that Consumer Compensation Bureau Ltd trading as Claiming Made Simple (CMS) are asking for a fee for a payment protection insurance (PPI) claim they’ve already paid to another claims management company (CMC). What happened Mrs H and Mr H sa... (3 pages)View decision -
Decision Reference DRN-3890947
10 Jan 2023 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3890947 The complaint Mr C complains that Bank of Scotland plc trading as Halifax (“Halifax”) gave him incorrect information regarding his account and then closed it and sent the outstanding debt to a third party debt collection agency. He wants the account re-opened. What happened Mr ... (3 pages)View decision -
Decision Reference DRN-3890754
10 Jan 2023 TSB Bank plc UpheldBanking and PaymentsDRN-3890754 The complaint Mr P is unhappy that TSB Bank plc (“TSB”) changed his graduate account to a spend and save account. This meant he had a large unplanned overdraft which he was going to be charged for. He is also unhappy at the service he received by TSB when looking into his compl... (3 pages)View decision -
Decision Reference DRN-3672105
10 Jan 2023 Bryan James & Co Ltd UpheldInsuranceDRN-3672105 The complaint K complains that Bryan James & Co Ltd trading as Brass Band Insurance Services (“BBIS”) failed to meet its obligation as a broker when renewing K’s policy. As a trustee of K, Mr D brings the complaint on its behalf. What happened K is a charity that operates a... (3 pages)View decision -
Decision Reference DRN-3885565
10 Jan 2023 Indigo Michael Limited UpheldConsumer CreditDRN-3885565 The complaint Ms M has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) didn’t complete enough affordability checks before approving her Safety Net facility. She said the facility put her into a cycle of re-borrowing where as soon as she’d paid her fa... (4 pages)View decision -
Decision Reference DRN-3890700
10 Jan 2023 American Express Services Europe Limited (AESEL) UpheldBanking and PaymentsDRN-3890700 The complaint Mr L complains that American Express Services Europe Limited (AESEL) said it was unable to consider a claim he made under section 75 of the Consumer Credit Act 1974. What happened Mr L bought a wetsuit from an online supplier (M) for £139.99. He wasn’t happy with ... (3 pages)View decision -
Decision Reference DRN-3880440
10 Jan 2023 Everyday Lending Limited UpheldConsumer CreditDRN-3880440 The complaint Ms T complains that Everyday Lending Limited, trading as Everyday Loans, lent to her irresponsibly and without carrying out proper affordability checks. She would like all the fees and charges associated with the loan refunded. What happened In November 2018 Every... (3 pages)View decision -
Decision Reference DRN-3886425
10 Jan 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3886425 The complaint Mrs J complains that Barclays Bank UK PLC trading as Barclaycard unfairly applied a default to her account. What happened I issued my provisional decision on this complaint on 18 November 2022, and this is what I said: I’ve considered the relevant information abou... (5 pages)View decision -
Decision Reference DRN-3890594
10 Jan 2023 Northern Bank Limited UpheldBanking and PaymentsDRN-3890594 The complaint Mr A, as the executor of the estate of Mr X, complains that Northern Bank Limited trading as Danske Bank (Danske Bank) allowed funds to be fraudulently taken from the late Mr X’s account. What happened Mr A says that cash withdrawals and in store purchases were ma... (5 pages)View decision -
Decision Reference DRN-3879746
10 Jan 2023 Everyday Lending Limited UpheldConsumer CreditDRN-3879746 Complaint Mrs P has complained about a guarantor loan Everyday Lending Limited (trading as "George Banco".com) provided to her. She says the loan was unaffordable. Background George Banco provided Mrs P with a guarantor loan for £5,000.00 in January 2018. This loan ha... (3 pages)View decision
