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
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Decision Reference DRN-3570170
4 Oct 2022 Barclays Bank UK PLC UpheldMortgagesDRN-3570170 The complaint Mr K complains that he was mis-advised over a buy to let mortgage product and unfairly refused extra borrowing with Barclays Bank UK PLC. Mr K wants to be compensated for the distress and inconvenience and the financial loss he has suffered. What happened Mr K app... (4 pages)View decision -
Decision Reference DRN-3733445
4 Oct 2022 Scottish Friendly Assurance Society Limited UpheldBanking and PaymentsDRN-3733445 The complaint Mr W is unhappy that Scottish Friendly Assurance Society Limited didn’t apply a £50 top up bonus to a Junior ISA he opened for his son when they should have done. What happened Mr W opened a Junior ISA with Scottish Friendly in April 2021. There was an introductor... (2 pages)View decision -
Decision Reference DRN-3714907
4 Oct 2022 Nationwide Building Society UpheldBanking and PaymentsDRN-3714907 The complaint Mr and Mrs L have complained that Nationwide Building Society (“Nationwide”) acted unfairly by continuing to apply overdraft charges to their account when they were in financial difficulty. What happened Mr and Mrs L complained to Nationwide that the overdraft cha... (2 pages)View decision -
Decision Reference DRN-3707750
4 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3707750 The complaint Mr Y complains that in May 2021 he had cleared the balance on his credit card account with NewDay Ltd trading as Aqua (“Aqua”) and had requested the account to be closed. However, this was not done, and further interest was applied which he was not aware of. This ... (2 pages)View decision -
Decision Reference DRN-3712081
4 Oct 2022 Fairmead Insurance Limited UpheldInsuranceDRN-3712081 The complaint Mrs W complained about Fairmead Insurance Limited. She wasn’t happy about the way it handled a claim under her home insurance policy and the reserve that was placed on the claim. Other companies have been involved in this complaint, but as Fairmead are responsible... (2 pages)View decision -
Decision Reference DRN-3665135
3 Oct 2022 Salary Finance Loans Limited UpheldConsumer CreditDRN-3665135 The complaint Mr L says Salary Finance Loans Limited irresponsibly lent to him. What happened Mr L’s complaint is about a loan provided by SFL. The loan was for £24,571 and was advanced in April 2021. Mr L complains that SFL irresponsibly lent to him. Our adjudicator upheld Mr ... (2 pages)View decision -
Decision Reference DRN-3685440
3 Oct 2022 Quilter Financial Services Ltd UpheldPensions and AnnuitiesDRN-3685440 The complaint Mrs L complains that Quilter Financial Services Ltd (Quilter) gave her unsuitable advice to switch her Personal Pension (PP) with her original provider (provider A) to a Self-Invested Personal Pension (SIPP) with another provider (provider B). Mrs L is represented... (9 pages)View decision -
Decision Reference DRN-3483363
3 Oct 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3483363 The complaint and what happened Mr K complains HSBC UK Bank Plc won’t reimburse funds he lost as a result of 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 points and focus on giving reasons fo... (2 pages)View decision -
Decision Reference DRN-3732360
3 Oct 2022 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-3732360 The complaint Mr B complains that BMW Financial Services (GB) Limited (“BMWFS”), trading as Mini Financial Services, haven’t explained how they calculated partial early settlement figures. What happened I issued my provisional decision on this complaint in September 2022. An ex... (3 pages)View decision -
Decision Reference DRN-3732937
3 Oct 2022 QIC Europe Ltd UpheldInsuranceDRN-3732937 The complaint Mr A complained that QIC Europe Ltd (“QIC”) provided an unfair settlement under his home insurance policy. What happened Mr A reported to QIC a leak which originated from his neighbour’s property. Mr A made a claim and QIC appointed a surveyor to review the damage... (3 pages)View decision
