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 4282 results
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Decision Reference DRN2645112
31 Mar 2016 HSBC Bank plc Not upheldBanking and creditMr B complains that HSBC Bank plc has incorrectly registered adverse information on his credit file.backgroundMr B says that HSBC recorded a default on his account in late 2010 but it should have been recorded earlier than this because he was in financial difficulties... (2 pages)View decision -
Decision Reference DRN1279870
10 May 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr W complains that The Royal Bank of Scotland plc (“RBS”) mis-sold him a payment protection insurance (“PPI”) policy. The complaint is brought on his behalf by a claims management company.backgroundThis complaint is about a credit card PPI policy taken out in 2004. The ... (2 pages)View decision -
Decision Reference DRN0682463
10 Oct 2013 Nationwide Building Society UpheldBanking and creditMr B complains about charges applied by Nationwide Building Society to his account.our initial conclusionsIn November 2006 Nationwide charged a fee for a returned unpaid direct debit and this took Mr B into an unauthorised overdraft. There was no further activity on the account a... (2 pages)View decision -
Decision Reference DRN-1913501
19 Sep 2020 Mercedes-Benz Financial Services UK Limited Not upheldConsumer CreditDRN-1913501The complaint What happened In April 2016 Mr O entered into a Hire Purchase Agreement for 36 months. I gather the contract end date was 29 April 2019, but the car was returned in July 2019. Subsequently MBFS charged Mr O a daily rental sum of £15.82 a day which totals £1138.32. ... (2 pages)View decision -
Decision Reference DRN4614628
2 Dec 2014 AXA Insurance UK Plc Not upheldInsurance (excluding PPI)Mr G complains that the valuation of and offer for his vehicle by AXA Insurance UK Plc under his motor insurance policy is too low. backgroundMr G had a motor insurance policy with AXA. He was involved in an accident and his car was deemed uneconomical to repair. AXA has offered to pay £... (2 pages)View decision -
Decision Reference DRN7668700
24 Mar 2020 TRANSUNION INTERNATIONAL UK LIMITED UpheldBanking and creditMr K complains that TransUnion International UK Limited merged his credit record with one belonging to someone else..backgroundMr K said his problems first started in June 2018 when he began to receive correspondence about debts he didn’t know anything about. Then in January 2019 he receiv... (2 pages)View decision -
Decision Reference DRN4261982
26 Feb 2015 MKDP LLP Not upheldBanking and creditMiss D complains MKDP LLP wrongly recorded a default against her credit file. And she would like compensation for the trouble and upset she experienced as a result. backgroundIn 2013 MKDP contacted Miss D about a debt it had bought from a third party lender. And she became aware tha... (2 pages)View decision -
Decision Reference DRN5149905
11 Jul 2017 UK Insurance Limited Not upheldInsurance (excluding PPI)Miss C complains that U K Insurance Limited (“UKI”) didn’t pay her enough for her written-off car when she made a claim on her motor insurance policy.backgroundMiss C was offered £13,650 for the car. She found similar cars advertised from £14,500 to £15,000. Miss C tho... (2 pages)View decision -
Decision Reference DRN0283502
23 Sep 2016 Experian Limited UpheldBanking and creditMr K complains that Experian Limited wrongly recorded his address on his credit file which has affected his ability to obtain credit. He also complains that Experian cancelled his membership without explanation.background Experian’s records of Mr K’s current and previ... (2 pages)View decision -
Decision Reference DRN2193148
12 Oct 2017 Swinton Group Ltd Not upheldInsurance (excluding PPI)Ms G, daughter and executor of the estate for Mr G, complains about the way Swinton Group Ltd dealt with the cancellation of her father’s car insurance policy.backgroundI sent the parties a provisional decision last month in which I said I wasn’t minded to uphold the ... (2 pages)View decision
