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 125299 results
-
Decision Reference DRN-3787041
4 Nov 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3787041 The complaint Miss G complains about the actions of Bank of Scotland plc trading as Halifax, in relation to cheque payments she made from her current account. What happened I previously issued a provisional decision on this case. It was my intention to come to a different outco... (4 pages)View decision -
Decision Reference DRN-3758660
4 Nov 2022 Topaz Finance Limited UpheldBanking and PaymentsDRN-3758660 The complaint This complaint is about delays N says it experienced when it asked Topaz Finance Limited, trading as Rosinca Mortgages (“Rosinca Mortgages”) to approve an agreement it had made with developers in relation to Right of Light. What happened On 15 November 2021, N con... (3 pages)View decision -
Decision Reference DRN-3774999
4 Nov 2022 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-3774999 The complaint Miss O is complaining that Clydesdale Bank Plc (t/a Virgin Money) hasn’t refunded an amount she paid on her Virgin credit card to rent a villa. What happened In June 2019 Miss O paid to rent a villa on a Spanish island through an online property rental company – w... (3 pages)View decision -
Decision Reference DRN-3722313
4 Nov 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3722313 The complaint Miss T complains that Everyday Lending Limited trading as Everyday Loans (Everyday) irresponsibly lent her money on a high cost loan which she couldn’t afford the repayments for. What happened Everyday provided a loan to Miss T on 13 February 2017, of £3,000 repay... (4 pages)View decision -
Decision Reference DRN-3748690
4 Nov 2022 esure Insurance Limited UpheldInsuranceDRN-3748690 The complaint Mr T complains about the settlement payment esure Insurance Limited (esure) offered him following the total loss of his car, under his motor insurance policy. What happened Mr T was involved in a car accident. He made a claim to esure and it arranged for the damag... (3 pages)View decision -
Decision Reference DRN-3745316
4 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3745316 The complaint Mr H complains that NewDay Ltd trading as Marbles lent to him on his marbles and Aqua cards irresponsibly. What happened Mr H had two cards from NewDay, a marbles card (agreed in October 2016) and an Aqua card (agreed in September 2013). For simplicity, I will ref... (6 pages)View decision -
Decision Reference DRN-3660397
4 Nov 2022 Home Retail Group Card Services Limited UpheldConsumer CreditDRN-3660397 The complaint Mr C complained about Home Retail Group Card Services Limited trading as Argos. He isn’t happy that a default was issued against his name after there was a problem with his direct debit payment which affected his credit file. What happened Mr C’s direct debit paym... (2 pages)View decision -
Decision Reference DRN-3757640
4 Nov 2022 London Community Credit Union Limited UpheldBanking and PaymentsDRN-3757640 The complaint Mr M has complained that London Community Credit Union Limited (LCCUL) failed to refund him after an ATM didn’t dispense the full £250 that he was attempting to withdraw. What happened Mr M said that as he is on benefits, he always takes out £250 from his account ... (2 pages)View decision -
Decision Reference DRN-3778991
4 Nov 2022 Sound Financial Management Ltd UpheldInvestmentsDRN-3778991 The complaint Mrs P, together with the trustees of the P Trust, complain that Sound Financial Management Ltd (SFM) gave unsuitable advice to surrender Mrs P’s investment bonds which caused her tax issues. For ease, I’ve referred to Mrs P or her representative throughout. What h... (5 pages)View decision -
Decision Reference DRN-3789531
4 Nov 2022 HSB Engineering Insurance Limited UpheldInsuranceDRN-3789531 The complaint C, a limited company, complains that HSB Engineering Insurance Limited (HSB) has declined a theft claim made under their commercial plant insurance policy. What happened C has a commercial contractor’s plant insurance policy underwritten by HSB. This covers, among... (6 pages)View decision
