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 4361 results
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Decision Reference DRN5174811
6 Feb 2018 Honeycomb Finance Limited UpheldBanking and creditMs S is unhappy that Honeycomb Finance Limited won’t let her unwind a fixed sum loan that she took out to buy a number plate. backgroundI recently issued my provisional conclusions setting out this complaint and why I was minded to think it would be fair to allow M... (6 pages)View decision -
Decision Reference DRN7979292
5 Jan 2017 Rational Foreign Exchange Limited Not upheldBanking and creditMr O complains that Rational Foreign Exchange Limited failed to carry out sufficient checks when it made a payment for him resulting in the loss of his money.backgroundMr O opened an account with Rational Foreign Exchange. It exchanged the 80,000 Euros he gave it into ... (2 pages)View decision -
Decision Reference DRN-2558755
28 May 2021 CMC Markets UK plc UpheldInvestmentsDRN-2558755 The complaint Mr E says CMC Markets UK plc (‘CMC’) failed to safeguard his trading account, leading to a fraudster’s unauthorised access into, and fraudulent withdrawal of £50,000 from, the account on 20 May 2019. What happened CMC investigated the events leading to, and includ... (5 pages)View decision -
Decision Reference DRN6828118
14 Apr 2015 Sabre Insurance Company Limited Not upheldInsurance (excluding PPI)Ms R complains that when she bought a motor insurance policy online, she was not made aware that the insurer was Sabre Insurance Company Limited (“Sabre”). So she was prevented from making an informed decision about who she was insuring with.backgroundIn December 2013... (3 pages)View decision -
Decision Reference DRN3539571
28 Sep 2016 DNA Insurance Services Ltd. UpheldInsurance (excluding PPI)Mr D has complained about DNA Insurance Services Ltd. He isn’t happy that it didn’t record the correct details of his vehicle under his motor insurance policy.backgroundMr D insured his vehicle through DNA. He was stopped by the police on two separate occasions and his ... (2 pages)View decision -
Decision Reference DRN8350559
8 May 2013 Lloyds TSB Bank Plc UpheldBanking and creditMr B complains that Lloyds TSB unfairly registered a default on his credit card account without giving him notice. our initial conclusionsThe adjudicator noted that Lloyds TSB thought that Mr B wanted a true copy of his consumer credit agreement, rather than the true copy of the... (2 pages)View decision -
Decision Reference DRN9691292
30 Jan 2017 FCA Automotive Services UK Ltd Not upheldBanking and creditMr S has complained that a car he took out finance for, through FCA Automotive Services UK Ltd, wasn’t as described.Mr S has been represented in bringing his complaint. But for clarity, I’ll refer to all submissions made on his behalf as having been made by him ... (2 pages)View decision -
Decision Reference DRN1595623
7 Feb 2014 National Westminster Bank Plc Not upheldBanking and creditMr J complains about legal fees charged by solicitors appointed by National Westminster Bank Plc (“NatWest”) for work done to complete a purchase and mortgage transaction.backgroundMr J was purchasing a property with the aid of a mortgage from NatWest. He instructed solicitors to act fo... (2 pages)View decision -
Decision Reference DRN7954475
5 Sep 2017 N.I.I.B. Group Limited Not upheldBanking and creditMr C complains that N.I.I.B. Group Limited trading as Northridge Finance (Northridge Finance) won’t allow him to transfer a hire purchase agreement into his son’s name. Mr C’s son, who is the primary driver of the car, brings the complaint on behalf of his father, bu... (3 pages)View decision -
Decision Reference DRN-3238720
28 Apr 2022 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-3238720 The complaint Mr B complains about the amount that he’s been charged by Hitachi Capital (UK) plc, trading as Hitachi Capital Vehicle Solutions, at the end of a hire agreement under which a car had been supplied to him. What happened A new car was supplied to Mr B under a hire a... (4 pages)View decision
