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 119464 results
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Decision Reference DRN-3364899
11 Mar 2022 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3364899 The complaint Mrs M has complained that Tesco Personal Finance PLC (“Tesco”) has unfairly turned down her claim under section 75 of the Consumer Credit Act 1974 (“CCA”). What happened Mrs M, alongside her partner, bought a timeshare membership from a business I’ll call GH in Ju... (5 pages)View decision -
Decision Reference DRN-2792587
11 Mar 2022 LEBC Group Limited UpheldInvestmentsDRN-2792587 The complaint Mr D has complained about the advice he received from LEBC Group Limited to invest his pension the Woodford Equity Income Fund. What happened The facts are well known to the parties so I won’t repeat them in detail here. In summary LEBC advised Mr D in late 2017 w... (5 pages)View decision -
Decision Reference DRN-3265188
11 Mar 2022 PayPal (Europe) Sarl et Cie SCA UpheldBanking and PaymentsDRN-3265188 The complaint Miss S complains that PayPal (Europe) Sarl et Cie SCA hasn’t refunded her for an item she returned to a seller, after she raised a clam under its Buyer Protection scheme. What happened Miss S bought an item of clothing from a company using a PayPal account. The it... (3 pages)View decision -
Decision Reference DRN-3365574
11 Mar 2022 Close Brothers Limited UpheldConsumer CreditDRN-3365574 The complaint Mr C is unhappy that a car supplied to him under a conditional sale agreement with Close Brothers Limited was of an unsatisfactory quality. What happened On 17 March 2020, Mr C was supplied with a used car through a conditional sale agreement with Close Brothers. ... (5 pages)View decision -
Decision Reference DRN-3240663
11 Mar 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3240663 The complaint Mr C and Mrs C complain that Lloyds Bank Plc have caused a financial loss and embarrassment when failing to honour a cheque. Mrs C has brought the complaint to the Financial Ombudsman, so I’ll refer to her throughout. What happened In March 2020 Mrs C drew two che... (3 pages)View decision -
Decision Reference DRN-3340606
11 Mar 2022 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-3340606 The complaint Mr P complains that Sainsbury’s Bank Plc failed to refund a transaction he didn’t recognise and left him without the use of his account. What happened Mr P noticed a withdrawal had been made from an Automated Teller Machine (ATM) that he didn’t recognise and conta... (5 pages)View decision -
Decision Reference DRN-3364543
11 Mar 2022 Shawbrook Bank Limited UpheldConsumer CreditDRN-3364543 The complaint Mr O is unhappy that Shawbrook Bank Limited didn’t apply a payment holiday to his account in a timely manner which resulted in missed payments being reported by Shawbrook to his credit file, or that Shawbrook didn’t then correct his credit file as quickly as they ... (4 pages)View decision -
Decision Reference DRN-3329258
11 Mar 2022 NRAM Limited UpheldMortgagesDRN-3329258 The complaint Miss B complains that NRAM Limited (“NRAM”) said it would change the date of the default it had recorded on her credit file in relation to her unsecured loan account but didn’t do so. What happened Miss B had a joint mortgage with her ex-husband. Along with the jo... (3 pages)View decision -
Decision Reference DRN-3135373
11 Mar 2022 PSA Finance UK Limited UpheldConsumer CreditDRN-3135373 The complaint Ms R complains about the charges that PSA Finance UK Limited (PSA), applied when she handed back a car she had acquired under a hire purchase agreement. What happened In February 2017, Ms R entered into a hire purchase agreement with PSA to acquire a used car that... (5 pages)View decision -
Decision Reference DRN-3366896
11 Mar 2022 Tesco Underwriting Limited UpheldInsuranceDRN-3366896 The complaint Mr B is unhappy with how Tesco Underwriting Limited valued his vehicle and the amount offered to settle his claim. What happened In August 2021 Mr B made a claim on his motor insurance policy following a collision with a lorry. Following an engineer’s inspection o... (3 pages)View decision
