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 128312 results
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Decision Reference DRN-3981641
2 Mar 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3981641 The complaint Mr A complains that Lloyds Bank PLC delayed an overseas payment, causing him additional costs. What happened The details of this complaint are well known to both parties, so I won’t repeat them here. Instead, I will focus on the reasons for my decision. What I’ve ... (2 pages)View decision -
Decision Reference DRN-3916725
2 Mar 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3916725 The complaint Mr C complains that he had issues opening an account with HSBC Bank Plc which led to him making Subject Access Requests (SARs). What happened Mr C attempted to open an account with HSBC but was asked to visit a branch with identification as his information did not... (4 pages)View decision -
Decision Reference DRN-3983887
2 Mar 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3983887 The complaint A company, which I’ll refer to as H, is complaining that Barclays Bank UK PLC closed H’s business account. Mr K, the director of H, has brought the complaint on H’s behalf. What happened H had a business account with Barclays. The terms and conditions of the accou... (2 pages)View decision -
Decision Reference DRN-3996121
2 Mar 2023 Liverpool Victoria Insurance Company Limited UpheldInsuranceDRN-3996121 The complaint Mr C is unhappy with the decision made by Liverpool Victoria Insurance Company Limited (LV) following a claim for attempted theft under his motorhome insurance policy. What happened On 11 April 2022 Mr C contacted LV to report an attempted theft to his motorhome. ... (4 pages)View decision -
Decision Reference DRN-3947447
2 Mar 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3947447 The complaint B, a limited company, complains that HSBC UK Bank Plc (“HSBC”) failed to deposit cheques into the business account, and then said the cheques had been returned to him on the same day when they hadn’t. Dr G is B’s director and brings the complaint on the company’s ... (3 pages)View decision -
Decision Reference DRN-3923138
2 Mar 2023 American Express Services Europe Limited (AESEL) UpheldBanking and PaymentsDRN-3923138 The complaint Mr J complains American Express Services Europe Limited (AMEX) failed to return the balance of his credit card account to his nominated bank account. What happened Mr J says he inadvertently sent a balance transfer of £1,000 from his building society credit card a... (3 pages)View decision -
Decision Reference DRN-3951919
2 Mar 2023 Ageas Insurance Limited UpheldInsuranceDRN-3951919 The complaint Mr H complains about his insurer, Ageas Insurance Limited (Ageas) under his home insurance policy. Mr H’s complaint is about how Ageas handled a claim for water damage to his property and contents. Any reference to Ageas in this decision includes their agents. Thi... (4 pages)View decision -
Decision Reference DRN-3957543
2 Mar 2023 Gain Credit LLC UpheldConsumer CreditDRN-3957543 The complaint Mr W complains that Gain Credit LLC, trading as Drafty, approved for him lines of credit he could not afford. What happened Drafty offered its customers a credit facility which commenced with a limit being determined and then the customer was able to draw down the... (5 pages)View decision -
Decision Reference DRN-3815501
2 Mar 2023 Gallium Fund Solutions Limited UpheldInvestmentsDRN-3815501 The complaint Mrs N complains to Gallium Fund Solutions Limited (“Gallium”) about investments she made into two bonds in 2017. She says they were mis-sold, the promotional material was misleading and the funds were managed negligently. And when her investments matured, she requ... (6 pages)View decision -
Decision Reference DRN-3739597
2 Mar 2023 Gain Credit LLC UpheldConsumer CreditDRN-3739597 The complaint Miss C complains that Gain Credit LLC, trading as Drafty, lent to her when she could not afford it. What happened This was not a loan. Drafty offered a credit facility which commenced with a limit being determined and then the customer was able to draw down the am... (4 pages)View decision