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 1466 results
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Decision Reference DRN-2878486
31 May 2022 Chesterton House Financial Planning Ltd Not upheldPensions and AnnuitiesDRN-2878486 The complaint Mr and Mrs C say the information and advice given by Chesterton House Financial Planning Ltd (CHFP) in respect of the recommended transfer of their defined benefit (DB) and Scottish Widows pension plans was insufficient to be able to make informed decisions. What ... (10 pages)View decision -
Decision Reference DRN-4254148
31 Aug 2023 Bank of Scotland Plc UpheldMortgagesDRN-4254148 The complaint Mr and Mrs O have complained about a mortgage they held with Bank of Scotland plc trading as Halifax. Their complaint can be summarised into the following points: The interest rate they were charged on their mortgage. How a field agent treated them in June 2019.... (10 pages)View decision -
Decision Reference DRN-4950149
25 Sep 2024 Mortgage Agency Services Number Five Limited UpheldMortgagesDRN-4950149 The complaint Mr B and Ms C complain that Mortgage Agency Services Number Five Limited (MAS5) has treated them unfairly in its administration of their mortgage. What happened Mr B and Ms C took out a mortgage with another lender in 2006. The mortgage was initially taken on a... (10 pages)View decision -
Decision Reference DRN-3224410
21 Dec 2021 UK Credit Limited UpheldConsumer CreditDRN-3224410 The complaint Mr T complains about three guarantor loans provided to him by UK Credit Limited, (“UKC”), which he says were unaffordable. He also complains about the amount of interest payable on the loans and UKC’s collections process. Mr T’s complaint has been brought to this ... (10 pages)View decision -
Decision Reference DRN-4644499
11 Mar 2024 Freedom Finance Limited UpheldMortgagesDRN-4644499 The complaint Mr F and Miss H complain they were mis-sold a second charge mortgage (secured loan) by Freedom Finance Limited. What happened In February 2019 Mr F and Miss H took advice from Freedom Finance, which recommended they take a secured loan with a lender I’ll call U. T... (10 pages)View decision -
Decision Reference DRN-4235966
11 Jul 2023 Prestige Asset Finance Limited UpheldConsumer CreditDRN-4235966 The complaint Miss C complains about the behaviour of Prestige Asset Finance Limited (“Prestige”) in relation to loans she took out with it. What happened I set out below Miss C’s version of events and also Prestige’s version of the same events. Miss C’s version of events In Ju... (9 pages)View decision -
Decision Reference DRN-3685889
8 Sep 2022 Capital Home Loans Limited UpheldMortgagesDRN-3685889 The complaint Mr and Mrs P complain about the way Capital Home Loans Limited (CHL) have treated them at the end of their mortgage term. They say they felt forced into making overpayments, and CHL have unfairly reported mortgage arrears to credit reference agencies which has pre... (9 pages)View decision -
Decision Reference DRN5869499
28 Oct 2020 National Westminster Bank Plc UpheldBanking and creditComplaint Miss K has complained about overdraft charges National Westminster Bank Plc (“NatWest”) added to her Select bank account. In essence, she’s said NatWest continued applying these charges when she was in financial difficulty and without any regard to her financial position. Backgro... (14 pages)View decision -
Decision Reference DRN-2619114
11 Nov 2021 Portal Financial Services LLP UpheldPensions and AnnuitiesDRN-2619114 The complaint Mr R says the advice given and the arrangements made by Portal Financial Services LLP (Portal), trading as Portafina LLP, to transfer his Occupational Pension Scheme (OPS) benefits into a Transact Self-invested Personal Pension (SIPP) and recommend investments in ... (12 pages)View decision -
Decision Reference DRN-2930893
19 Oct 2021 Portal Financial Services LLP UpheldPensions and AnnuitiesDRN-2930893 The complaint Mr H says the advice given and the arrangements made by Portal Financial Services LLP (Portal), trading as Portafina LLP, resulting in the transfer his Occupational Pension Scheme (OPS) into a Transact Self-invested Personal Pension (SIPP) and recommended investme... (12 pages)View decision