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 128535 results
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Decision Reference DRN-3991613
27 Mar 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3991613 Complaint Miss C is unhappy that HSBC UK Bank Plc (“HSBC”) recorded a fraud prevention marker against her. Background In August 2020, Miss C’s account received a payment of £6,895.00. These funds were subsequently transferred on to other accounts. HSBC subsequently received a n... (3 pages)View decision -
Decision Reference DRN-3991338
27 Mar 2023 Lifestyle Loans Ltd UpheldConsumer CreditDRN-3991338 Complaint Mr J has complained that Lifestyle Loans Limited (“Lifestyle Loans”) provided him with an unaffordable loan. Background Lifestyle Loans provided Mr J with a loan of £5,000.00 in August 2021. This loan had an APR of 49.9% and an 60-month term. This all meant the total ... (4 pages)View decision -
Decision Reference DRN-4034072
26 Mar 2023 David S Lowe Financial Management UpheldMortgagesDRN-4034072 The complaint Mr Q’s complaint about David S Lowe Financial Management (DL) relates to the delays in the processing of a mortgage application he instructed DL to make to a mortgage lender I’ll refer to as C. What happened Mr Q instructed DL to make a mortgage application to C o... (4 pages)View decision -
Decision Reference DRN-4039956
25 Mar 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4039956 The complaint M – a business – complains about poor service it received from HSBC UK Bank Plc in connection with its business account. What happened M had a business account with HSBC. It subsequently became locked out of its internet banking in around 2018. To reactivate acces... (5 pages)View decision -
Decision Reference DRN-3855104
25 Mar 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3855104 The complaint Mr and Mrs D complain about how National Westminster Bank Plc (NatWest) dealt with the closure of their account and about obtaining their money from the account. What happened Mr and Mrs D say their NatWest account was closed without their knowledge. They live out... (3 pages)View decision -
Decision Reference DRN-4044514
24 Mar 2023 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4044514 The complaint Mr B complains that Options UK Personal Pensions LLP (“Options” - formerly Carey Pensions) accepted his investment into a self-invested personal pension (SIPP) when, he says, it shouldn’t have accepted business from the business who introduced him to Options; Cale... (41 pages)View decision -
Decision Reference DRN-3956238
24 Mar 2023 Kapwealth Limited UpheldInvestmentsDRN-3956238 The complaint Ms D, Mr D and Mr D1 (the complainants) complain that Kapwealth didn’t provide them with the information it should have done about the Forex strategy each of their portfolios was invested in. What happened Kapwealth was in partnership with Marjan Technologies whic... (9 pages)View decision -
Decision Reference DRN-3958469
24 Mar 2023 Tandem Home Loans Ltd UpheldMortgagesDRN-3958469 The complaint Mr L complains that Tandem Home Loans Ltd (“Tandem”) lent to him irresponsibly as he had a significant gambling problem and numerous debts at the time he took out his secured loan. Mr L took the loan out with 1st Stop Home Loans Limited, which subsequently became ... (8 pages)View decision -
Decision Reference DRN-4047636
24 Mar 2023 Curtis Banks Limited UpheldPensions and AnnuitiesDRN-4047636 The complaint Mr and Mrs E complain that Curtis Banks Ltd (CBL) failed to properly manage the collection of rental payments due in respect of commercial property owned within their CBL SIPPs. What happened Mr and Mrs E ran a business for many years, trading from land and premis... (9 pages)View decision -
Decision Reference DRN-3988902
24 Mar 2023 The Royal London Mutual Insurance Society Limited UpheldPensions and AnnuitiesDRN-3988902 The complaint Mrs M complains about the delays caused by The Royal London Mutual Insurance Society Limited (Royal London) when she switched her personal pension plan and took tax-free cash from her plan benefits. Mrs M is also unhappy with the overall customer service she has r... (7 pages)View decision