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 128535 results
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Decision Reference DRN-5190297
5 Mar 2025 HSBC UK Bank Plc UpheldMortgagesDRN-5190297 The complaint Mr D has complained about how his mortgage has been managed by HSBC UK Bank Plc. What happened Mr D has a mortgage with HSBC. Following some financial difficulties a suspended possession order (SPO) was granted in November 2012. Mr D has two sub-accounts and he... (5 pages)View decision -
Decision Reference DRN-5370310
5 Mar 2025 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-5370310 The complaint Mr V complains that Carey Pensions UK LLP (‘Carey’) (now called Options UK Personal Pensions LLP, but I’ll refer to Carey throughout for ease) shouldn’t have accepted his application to invest in Ethical Forestry within his self-invested personal pension (‘SIPP... (23 pages)View decision -
Decision Reference DRN-4936621
5 Mar 2025 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4936621 The complaint Mr A complains about the quality of a used car he acquired through a conditional sale agreement with Moneybarn No. 1 Limited (‘Moneybarn’). Mr A says that there were ongoing problems with the car shortly after he acquired it. He doesn’t think the car is fit for... (5 pages)View decision -
Decision Reference DRN-5170008
5 Mar 2025 ReAssure Limited UpheldPensions and AnnuitiesDRN-5170008 The complaint Mr S has complained about a transfer of his ReAssure Limited personal pension (previously an Old Mutual policy) to a small self-administered scheme (“SSAS”) in December 2014. Mr S’ SSAS was subsequently used to invest in Parkfirst and Storefirst (investments in... (11 pages)View decision -
Decision Reference DRN-4836561
5 Mar 2025 Lendable Ltd UpheldConsumer CreditDRN-4836561 The complaint Mrs S complains about a car supplied to her using a hire purchase agreement taken out with Lendable Ltd trading as Autolend (“Autolend”). What happened Mrs S referred a complaint to us along with her representative. As the complainant is Mrs S, for ease, I hav... (5 pages)View decision -
Decision Reference DRN-5352346
5 Mar 2025 Barclays Bank UK PLC UpheldMortgagesDRN-5352346 The complaint C – a limited company – complains that Barclays Bank UK PLC delayed removing a charge held against a leasehold property it owned. As a result, the sale of the property fell through. What happened C has secured loan facilities with Barclays. It is represented by... (4 pages)View decision -
Decision Reference DRN-5303711
5 Mar 2025 IFG Pensions Limited UpheldPensions and AnnuitiesDRN-5303711 The complaint Mr S’s complaint concerns investments made in a self-invested personal pension (SIPP) provided by IFG Pensions Limited (IFG). The investments were in shares of a company which said it intended to buy and develop land in Cyprus, generating profit for shareholder... (33 pages)View decision -
Decision Reference DRN-5345972
5 Mar 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5345972 The complaint Miss L complains that Revolut Ltd (“Revolut”) didn’t do enough to recover lost funds after she reported an issue. What happened The details of this complaint are well known to both parties, so I won’t repeat them again in full here. Instead, I’ll summarise what... (2 pages)View decision -
Decision Reference DRN-5365855
5 Mar 2025 My Finance Club Limited UpheldConsumer CreditDRN-5365855 The complaint Ms F complains through a representative that My Finance Club Limited (“MFC”) failed to carry out proportionate affordability checks before it lent to Ms F. What happened A summary of Ms F’s borrowing can be found below. loan number loan amount agreement date r... (7 pages)View decision -
Decision Reference DRN-5269842
5 Mar 2025 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-5269842 The complaint Mrs F complains that Royal & Sun Alliance Insurance Limited (RSA) has unfairly handled a claim made on her building’s insurance for subsidence. She feels the claim has not been progressed as quickly as it could have been with RSA delaying its authorisation ... (4 pages)View decision