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 119142 results
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Decision Reference DRN-3302823
21 Feb 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3302823 The complaint Miss C is complaining that Everyday Lending Limited (“ELL”) irresponsibly lent to her. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. The facts are not in dispute, so I’ll focus on giving the reasons ... (2 pages)View decision -
Decision Reference DRN-3190553
21 Feb 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3190553 The complaint Mr M complains Lloyds Bank PLC is reporting adverse information about him unfairly and that incorrect information is being displayed on his online banking. What happened Mr M has a credit card issued by Lloyds Bank and he uses its online banking too. In 2018 Mr M ... (3 pages)View decision -
Decision Reference DRN-3325852
21 Feb 2022 AFH Independent Financial Services Limited UpheldPensions and AnnuitiesDRN-3325852 The complaint Mr B complains that AFH Independent Financial Services Limited (AFH) didn’t inform him of changes to the management of his Self-Invested Personal Pension (SIPP). What happened In 2017, Mr B was advised by his Independent Financial Adviser (IFA) to transfer several... (9 pages)View decision -
Decision Reference DRN-3298284
21 Feb 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3298284 The complaint Mr and Mrs S complain that Lloyds Bank PLC (Lloyds) won’t refund a payment they made after falling victim to a scam. What happened In December 2019, Mr and Mrs S were looking for renewable energy investments online and found a company I’ll refer to as C. Mr and Mr... (6 pages)View decision -
Decision Reference DRN-3306988
21 Feb 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3306988 The complaint Mr N complains that Bank of Scotland plc restricted access to his accounts. What happened Mr N held a bank account, a Help to Buy ISA and a credit card with Bank of Scotland. On 11 December 2019 the bank gave Mr N 75 days’ notice that it was closing his accounts. ... (3 pages)View decision -
Decision Reference DRN-3310347
21 Feb 2022 Aviva Insurance Limited UpheldInsuranceDRN-3310347 The complaint Mr M complains about the quality of repairs that Aviva Insurance Limited made to his car’s windscreen following a claim made on his motor insurance policy. He wants the cost of a replacement windscreen and compensation for his time and trouble. What happened Mr M’... (2 pages)View decision -
Decision Reference DRN-3122381
21 Feb 2022 Portal Financial Services LLP UpheldPensions and AnnuitiesDRN-3122381 The complaint Mr G is unhappy with the advice he received from Portal Financial Services LLP (Portal) to transfer two personal pensions to a Self-Invested Personal Pension (SIPP) and invest in Unregulated Collective Investment Schemes (UCIS). What happened Mr G had two personal... (6 pages)View decision -
Decision Reference DRN-3325516
21 Feb 2022 National Westminster Bank Plc UpheldMortgagesDRN-3325516 The complaint Ms D and Mr L complain about their declined mortgage application through National Westminster Bank Plc. The reason behind the refusal was their source of deposit, which they say NatWest should have asked them about sooner. What happened Mr L approached NatWest to ... (4 pages)View decision -
Decision Reference DRN-3285024
21 Feb 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3285024 The complaint and what happened Mr P complains Bank of Scotland plc, trading as Halifax, won’t reimburse money he lost when he fell victim to a scam. The full details of this complaint are well known to both parties, so I won’t repeat them here. Instead, I’ll recap the key poin... (2 pages)View decision -
Decision Reference DRN-3308541
21 Feb 2022 Liverpool Victoria Insurance Company Limited UpheldInsuranceDRN-3308541 The complaint Mr M complains about how Liverpool Victoria Insurance Company Limited (LV) handled a claim made against his motor insurance policy. What happened Another driver’s insurer alleged that Mr M had clipped their car’s wing mirror and it held Mr M fully at fault. Mr M r... (3 pages)View decision
