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 120327 results
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Decision Reference DRN-3567310
29 Jun 2022 The Co-operative Bank Plc UpheldMortgagesDRN-3567310 The complaint Mr and Mrs M complain about delays when they applied to port the mortgage they held with The Co-operative Bank Plc (trading as Platform). What happened Mr and Mrs M took a mortgage with Platform in 2019. The mortgage interest rate was fixed for three years. There ... (3 pages)View decision -
Decision Reference DRN-3441237
29 Jun 2022 J D Williams & Company Limited UpheldConsumer CreditDRN-3441237 The complaint Ms S says J D Williams & Company Limited irresponsibly lent to her. What happened This complaint is about two catalogue shopping accounts provided by J D Williams to Ms S. Account A was opened in December 2012 with an initial credit limit of £125. This was the... (3 pages)View decision -
Decision Reference DRN-3506759
29 Jun 2022 Acasta European Insurance Company Limited UpheldInsuranceDRN-3506759 The complaint Mrs B has complained that Acasta European Insurance Company Limited (Acasta) unfairly declined a claim under a deposit protection policy. What happened Mrs B wanted a garden studio built at her home. A company quoted for the work but said nothing further could hap... (2 pages)View decision -
Decision Reference DRN-3519704
29 Jun 2022 PayrNet Limited UpheldBanking and PaymentsDRN-3519704 The complaint Mr K has complained PayrNet Limited hasn’t refunded nearly £3,000 worth of transactions he didn’t authorise. What happened In January 2021 Mr K noticed payments from his Cledara account that he’d not made. These had gone to a cryptocurrency provider. Mr K contacte... (2 pages)View decision -
Decision Reference DRN-3505408
29 Jun 2022 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-3505408 The complaint Mrs M complains about charges BMW Financial Services (GB) Limited (“BMWFS”) told her to pay for damage to a car when it was returned. What happened In May 2018 Mrs M took out a hire purchase agreement with BMWFS for a new car. She gave notice of her intention to v... (4 pages)View decision -
Decision Reference DRN-3479382
29 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3479382 The complaint Mr R says NewDay Ltd (“NewDay”) irresponsibly lent to him. He has requested that the interest and late payment charges he paid on the account be refunded. What happened This complaint is about a credit card account, trading as Marbles, provided by NewDay to Mr R. ... (3 pages)View decision -
Decision Reference DRN-3502636
29 Jun 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3502636 The complaint Mr B, who is represented by a third party, complains that Barclays Bank UK PLC, trading as Barclaycard (“Barclaycard”), irresponsibly granted him a credit card he couldn’t afford to repay. What happened In December 2014 Mr B entered into an agreement with Barclayc... (3 pages)View decision -
Decision Reference DRN-3174403
29 Jun 2022 Portal Financial Services LLP UpheldPensions and AnnuitiesDRN-3174403 The complaint Mr L complains about the advice given by Portal Financial Services LLP (‘Portal’) in relation to a deferred defined-benefit (‘DB’) occupational pension scheme that he held. Portal processed the transfer of Mr L’s DB scheme benefits to a personal pension to allow a... (8 pages)View decision -
Decision Reference DRN-3388474
29 Jun 2022 Lloyds Bank PLC UpheldMortgagesDRN-3388474 The complaint Miss C complains Lloyds Bank PLC made an error when giving her mortgage advice, leaving her approximately £100,000 short of the amount she needed to complete on her property sale and purchase. She says that resulted in additional costs, distress and inconvenience.... (6 pages)View decision -
Decision Reference DRN-3482808
29 Jun 2022 Metro Bank PLC UpheldBanking and PaymentsDRN-3482808 The complaint A company I’ll refer to as A complains that Metro Bank PLC (Metro) blocked its account and denied it access to the account funds. A is represented by one of its directors, Mr F. What happened In October 2019 Metro blocked A’s accounts, while it carried out a revie... (2 pages)View decision
