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 122405 results
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Decision Reference DRN-3592803
24 Aug 2022 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-3592803 The complaint Mr I complains that The Royal Bank of Scotland Plc re-instated his credit card in error. What happened RBS wrote to Mr I to let him know they were cancelling his credit card as they’d identified him as being in what’s known as “persistent debt”. They said if he pa... (2 pages)View decision -
Decision Reference DRN-3135060
24 Aug 2022 James Hay Administration Company Ltd UpheldPensions and AnnuitiesDRN-3135060 The complaint Mr W complains James Hay Administration Company Limited (James Hay) have failed to provide the service he paid for on his pension. He wants them to refund his annual fee and make a payment for the trouble and upset they’ve caused him. What happened Mr W holds a Se... (4 pages)View decision -
Decision Reference DRN-3621705
24 Aug 2022 Bank of Scotland Plc UpheldMortgagesDRN-3621705 The complaint Mr and Mrs C complain about the interest rate charged to their mortgage with Bank of Scotland plc trading as Halifax. They say the terms of their mortgage say that Halifax’s standard variable rate (SVR) should be no more than 2% above the Bank of England base rate... (5 pages)View decision -
Decision Reference DRN-3507738
24 Aug 2022 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-3507738 The complaint Mr A has complained Mitsubishi HC Capital UK plc has applied a fraud-related marker to his record which they won’t remove. What happened Mr A bought a ring in 2016. He was persuaded to apply for credit but was rejected. He wasn’t concerned by this as he was always... (2 pages)View decision -
Decision Reference DRN-3665424
24 Aug 2022 eBay Commerce UK Ltd UpheldBanking and PaymentsDRN-3665424 The complaint Miss L has complained eBay Commerce UK Ltd blocked her account and has continued to hold onto her money. What happened Miss L has been using an eBay account for a number of years to sell goods. eBay introduced revised terms and conditions in 2021 to coincide with ... (2 pages)View decision -
Decision Reference DRN-3665981
24 Aug 2022 TSB Bank plc UpheldBanking and PaymentsDRN-3665981 The complaint Mrs W and Mr G are unhappy with the service Mrs W received surrounding restrictions that TSB Bank plc placed on their joint account. What happened Mrs W and Mr G hold a joint current account with TSB. Mrs W also holds an ISA account in her sole name. In November 2... (3 pages)View decision -
Decision Reference DRN-3600243
24 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3600243 The complaint Mr H complains that NewDay Ltd trading as Aqua gave him a credit card when it should have known he wouldn’t be able to repay what he borrowed. What happened Mr H applied for a credit card in December 2018. He told NewDay that he was employed and earning £27,000 a ... (3 pages)View decision -
Decision Reference DRN-3663165
24 Aug 2022 Revolut Ltd UpheldBanking and PaymentsDRN-3663165 The complaint Mr F complains about Revolut Ltd’s actions when reviewing and then closing his account. What happened Mr F held an electronic money account with Revolut. In August 2020 they got in touch with him through the in-app chat to ask about a payment into his account but ... (5 pages)View decision -
Decision Reference DRN-3650873
24 Aug 2022 Webbs Motor Caravans Ltd UpheldInsuranceDRN-3650873 The complaint Mr W complains that Webbs Motor Caravans Ltd (‘WMCL’) did not fairly compensate him after it mis-sold payment protection insurance (‘PPI’). What happened On 8 June 2006, Mr W bought a motorhome through WMCL. Finance for the purchase was provided by a third-party b... (2 pages)View decision -
Decision Reference DRN-3666124
24 Aug 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3666124 The complaint Mr A complains that Bank of Scotland plc (“Halifax”) treated him unfairly and is unhappy that they closed his account he held with them. What happened Mr A was a customer of Halifax and had his wages paid into his current account he held with them. In October 2021... (4 pages)View decision
