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 118878 results
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Decision Reference DRN-3268599
29 Mar 2022 Quilter Financial Services Ltd UpheldInvestmentsDRN-3268599 The complaint Mrs H says an Appointed Representative (‘AR’) of Quilter Financial Services Ltd (‘Quilter’) gave her unsuitable investment advice in 2017 that mismatched her novice investor profile, that was too risky, that was implemented without associated risks being properly ... (5 pages)View decision -
Decision Reference DRN-3386259
29 Mar 2022 TM Advances Limited UpheldConsumer CreditDRN-3386259 Complaint Mr C complains that TM Advances Limited (“TM Advances”) irresponsibly lent to him. Background TM Advances provided Mr C with a loan for £3,000.00 in November 2016. This loan had an APR of 140.9% and was due to be repaid in 48 monthly instalments of £235. One of our ad... (2 pages)View decision -
Decision Reference DRN-3351449
28 Mar 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3351449 The complaint Mr M has complained that Everyday Lending Limited (EDL) lent to him irresponsibly. What happened Mr M was given a loan of £1,250 by EDL in April 2018. The loan was repayable in 24 monthly instalments of about £138. The total amount payable, including interest was ... (3 pages)View decision -
Decision Reference DRN-3395239
28 Mar 2022 PayPal (Europe) Sarl et Cie SCA UpheldBanking and PaymentsDRN-3395239 The complaint Mr W complains that PayPal (Europe) Sarl et Cie SCA (PayPal) won’t refund him the cost of a train ticket that he never received. What happened Mr W purchased a train ticket online from a seller, using PayPal as his chosen payment method in August 2021. When he arr... (3 pages)View decision -
Decision Reference DRN-3371926
28 Mar 2022 Metro Bank PLC UpheldBanking and PaymentsDRN-3371926 The complaint Mr and Mrs O complain about Metro Bank PLC’s actions when reviewing and subsequently closing their account. What happened Mr and Mrs O opened an account with Metro in September 2020. Metro carried out a review on the account and in January 2021, decided to end the... (3 pages)View decision -
Decision Reference DRN-3325973
28 Mar 2022 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-3325973 The complaint Miss N is complaining about the end of contract charges made by Mercedes-Benz Financial Services Limited (“MBFS”) when she returned her hire car at the end of its contract. What happened Miss N entered into a hire agreement with MBFS in June 2017 for a new car. Wh... (6 pages)View decision -
Decision Reference DRN-3290230
28 Mar 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3290230 The complaint Mr and Mrs S complain about Santander UK Plc’s actions when closing their bank account. What happened Mr and Mrs S held an account with Santander. Around late 2020, Santander asked Mr and Mrs S for information relating to ‘Know Your Customer’ (KYC) checks. At firs... (3 pages)View decision -
Decision Reference DRN-3256846
28 Mar 2022 Close Brothers Limited UpheldConsumer CreditDRN-3256846 The complaint Mr S complains that a car acquired with finance from Close Brothers Limited (CB) wasn’t of satisfactory quality. What happened In May 2021 Mr S was supplied with a car and entered into a conditional sale agreement with CB. Mr S experienced issues with the car with... (3 pages)View decision -
Decision Reference DRN-3398423
28 Mar 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3398423 The complaint Mrs B complains that Bank of Scotland plc (trading as Halifax) won’t reimburse money she lost when she says she fell victim to a binary options investment scam. What happened Mrs B was cold called by a representative of 365 binary options. The caller told her tha... (3 pages)View decision -
Decision Reference DRN-3355899
28 Mar 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3355899 The complaint A company, which I’ll refer to as P, complains about how HSBC UK Bank Plc handled its applications for a Bounce Back Loan. P’s director, Mr Z, brings the complaint on its behalf. What happened P applied for a Bounce Back Loan in May 2020. In the weeks that follow... (3 pages)View decision
