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 4196 results
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Decision Reference DRN7537414
21 Aug 2017 HSBC Bank plc UpheldBanking and creditThe estate of the late Mr J through its solicitors M complain that HSBC Bank plc acted unfairly and unreasonably in saying that it didn’t hold the deeds to his property when it did. The estate wants HSBC to compensate for the legal costs caused by its actions ... (3 pages)View decision -
Decision Reference DRN2630300
13 Jan 2015 CROSSBARFX Limited UpheldBanking and creditMr T has complained that CROSSBARfx Limited has not refunded him the costs of two transactions, totalling $140,000, which he did not authorise in August 2013.backgroundMr T used CROSSBARfx services to transfer funds to purchase property overseas. He also knew a director of CROSSBARfx wh... (4 pages)View decision -
Decision Reference DRN5510053
8 Apr 2015 Nationwide Building Society Not upheldBanking and creditMr and Mrs G complain that Nationwide Building Society lost their deeds and didn’t return them at the end of their mortgage term.our initial conclusionsOur adjudicator thought Nationwide’s offer of £150 compensation reasonable.my final decisionTo decide what is fair and reasonabl... (2 pages)View decision -
Decision Reference DRN-4198630
11 Aug 2023 Nationwide Building Society UpheldBanking and PaymentsDRN-4198630 The complaint Mr H, as sole Lasting Power of Attorney (LPA) for Mr C, complains that Nationwide Building Society refused to re-instate an overdraft on Mr C’s account that Mr H had removed in error. Mr H says Mr C’s account was registered at Mr H’s address and despite a request ... (3 pages)View decision -
Decision Reference DRN-3979987
3 Aug 2023 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3979987 The complaint Mr A complains that The Royal Bank of Scotland Plc (‘RBS’) won’t refund money he lost after falling victim to a scam. What happened Mr A says that he was looking to buy a car and found one advertised on a genuine automotive marketplace. The car was being sold by a... (4 pages)View decision -
Decision Reference DRN6622530
19 Aug 2013 RCI Financial Services Limited Not upheldBanking and creditMr S complains that RCI Financial Services Limited (“RCI”) did not allow him to voluntarily terminate a hire purchase agreement. backgroundMr S bought a car in September 2005, financed by a hire purchase agreement with RCI Financial Services (then trading as Nissan Finance (GB) Limited)... (2 pages)View decision -
Decision Reference DRN-3669921
26 Aug 2022 Fortrade Limited UpheldInvestmentsDRN-3669921 The complaint Mr A complains, through his solicitors, about the service provided by Fortrade Limited. In short the solicitors complain that it: Was negligent in mis-representing the risks involved in trading Contracts for Difference (“CFD”). Misled Mr A about the extent of co... (8 pages)View decision -
Decision Reference DRN1719371
29 Jan 2020 One Insurance Limited Not upheldInsurance (excluding PPI)Mr and Mrs L have complained about One Insurance Limited’s handling of their car insurance policy.Reference to One Insurance includes their agents.backgroundMr and Mrs T had their car insurance policy with One Insurance. Mrs T was the policyholder and Mr T was a named driver. Their son was... (4 pages)View decision -
Decision Reference DRN6364326
22 Apr 2013 HSBC Bank plc Not upheldBanking and creditMr J and Mrs K complain that they had to pay unexpected legal fees of £252 relating to completion of their mortgage with HSBC. They want these fees refunded.backgroundIn February 2012 Mr J and Mrs K applied for a mortgage with HSBC. A key facts document was issued to them, which said ... (2 pages)View decision -
Decision Reference DRN0654896
5 Jun 2013 M J Howarth & Mrs C Howarth UpheldInsurance (excluding PPI)Mr N has complained that Accent Insurance Consultants General Insurance mis-sold him an insurance policy as that insurer did not cover grey import vehicles. backgroundMr N attended the offices of Accent on 26 January 2010 to obtain a quote for his vehicle. Accent provided a quote for co... (2 pages)View decision
