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 121876 results
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Decision Reference DRN-3593677
13 Jul 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3593677 The complaint Mr P complains that HSBC Bank Plc (HSBC) failed to give him sufficient notice in line with the account terms and conditions when closing his credit card account. What happened Mr P contacted HSBC in 2019 to tell them he’d lost his job and was struggling financiall... (3 pages)View decision -
Decision Reference DRN-3569844
13 Jul 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3569844 The complaint Miss P has complained that Lloyds Bank PLC (“Lloyds”) acted irresponsibly by increasing her overdraft limit when she was in financial difficulty. What happened Miss P complained to Lloyds that it acted irresponsibly by allowing her to increase her overdraft limit ... (3 pages)View decision -
Decision Reference DRN-3580738
13 Jul 2022 QIC Europe Ltd UpheldInsuranceDRN-3580738 The complaint Mrs M and Mr M complain about the way QIC Europe Ltd handled a flood claim against their buildings insurance policy. What happened The background to the complaint is known to all parties so I won’t repeat it in detail here. In my decision I’ll mainly focus on givi... (6 pages)View decision -
Decision Reference DRN-3589852
13 Jul 2022 Capital One (Europe) plc UpheldBanking and PaymentsDRN-3589852 The complaint Mr P has complained he took out a credit card with Capital One which he couldn’t afford, and it subsequently defaulted. Since that, Capital One have lent him a further two credit cards. He feels this has trapped him in a cycle of debt which he couldn’t afford. Wha... (5 pages)View decision -
Decision Reference DRN-2711755
13 Jul 2022 Quickly Finance Limited UpheldClaims ManagementDRN-2711755 The complaint Ms C is unhappy that Quickly Finance Limited trading as Fast Track Reclaim (FTR) is charging a success fee for a payment protection insurance (PPI) claim. What happened In August 2019, Ms C said she’d made an enquiry with FTR about whether she’d been mis-sold PPI ... (4 pages)View decision -
Decision Reference DRN-3562844
13 Jul 2022 Advantage Insurance Company Limited UpheldInsuranceDRN-3562844 The complaint Mr H complains Advantage Insurance Company Limited (Advantage) unfairly amended details about a named driver on his motor insurance policy and this unfairly increased the cost of his premiums. There are several parties and representatives of Advantage involved thr... (3 pages)View decision -
Decision Reference DRN-3570553
13 Jul 2022 esure Insurance Limited UpheldInsuranceDRN-3570553 The complaint Miss W complains that esure Insurance Limited declined her claim following the theft of her car and avoided (treated it as if it never existed) her motor insurance policy. What happened In October 2021 Miss W’s car was stolen. She says in September she added her p... (4 pages)View decision -
Decision Reference DRN-3437024
13 Jul 2022 Barclays Bank UK PLC UpheldMortgagesDRN-3437024 The complaint Mr and Mrs P are unhappy with how Barclays Bank UK PLC handled the set up of their offset mortgage after they moved properties. What happened Mr and Mrs P took out an offset mortgage with Barclays in November 2020. One of the features of this type of mortgage is t... (2 pages)View decision -
Decision Reference DRN-3417837
13 Jul 2022 Indigo Michael Limited UpheldConsumer CreditDRN-3417837 The complaint Mrs M, through her representative, complains that Indigo Michael Limited, trading as SafetyNet Credit, lent to her irresponsibly. What happened Mrs M was approved for a line of credit with Indigo Michael. Mrs M approached Indigo Michael for a Safety Net facility i... (6 pages)View decision -
Decision Reference DRN-2714807
13 Jul 2022 PSA Finance UK Limited UpheldConsumer CreditDRN-2714807 The complaint Mr V believes PSA Finance UK Limited acted irresponsibly by agreeing a hire purchase agreement he’d applied for. What happened In May 2017, Mr V was supplied with a new car through a hire purchase agreement with PSA. Mr V paid a £990 deposit, and the agreement was... (4 pages)View decision
