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 4257 results
-
Decision Reference DRN1532003
22 May 2017 Barclays Bank Plc Not upheldBanking and creditMr and Mrs B have complained that Barclays Bank Plc mis-sold three packaged bank accounts. A Current Account Plus to Mr B in 2008 and 2009 and Additions Active account in 2012 to both Mr and Mrs B.backgroundOne of our adjudicators has looked into Mr and Mrs B’s comp... (3 pages)View decision -
Decision Reference DRN4124497
8 Sep 2020 Craig Mitchell UpheldInvestment and pensionsMr P complains that Craig Mitchell – as the registered financial advisor – approved and, in effect, recommended investing £10,000 in an unsuitable investment bond in 2017. The product literature made various promises about guaranteeing a return of the capital after 12 months with a set lev... (3 pages)View decision -
Decision Reference DRN5524580
23 Jun 2020 Carnegie Consumer Finance Limited Not upheldBanking and creditMr K complains that a training course that he paid for using a fixed sum loan agreement with Carnegie Consumer Finance Limited (Carnegie) was misrepresented to him.backgroundMr K entered into a fixed sum loan agreement with Carnegie in November 2017 to pay for a gas safe engineering course... (3 pages)View decision -
Decision Reference DRN1551609
4 May 2021 Carcashpoint Limited UpheldBanking and creditMr P complains that CarCashPoint Limited (“CarCashPoint”) unfairly provided him with logbook loans. background CarCashPoint provided Mr P with logbook loans as follows: Loan Date taken Date repaid Number of instalments Loan amount Weekly repayment* 1 30/03/2017 22/09/2017 78 weekly £560.0... (4 pages)View decision -
Decision Reference DRN-3736846
18 Oct 2022 esure Insurance Limited UpheldInsuranceDRN-3736846 The complaint Mr G complains that esure Insurance Limited unfairly recorded a fault claim against him and increased the premium for his motor insurance. What happened Mr G had a motor insurance policy with esure. In June 2021, esure was contacted by a third party insurer about ... (3 pages)View decision -
Decision Reference DRN2316266
4 Jul 2017 National Westminster Bank Plc Not upheldBanking and creditMr O has complained that National Westminster Bank Plc (“NatWest”) mis-sold an Advantage Private packaged bank account to him in 1997.backgroundOne of our adjudicators has looked into Mr O’s complaint already and she didn’t think NatWest had mis-sold the packaged acco... (3 pages)View decision -
Decision Reference DRN-3753066
7 Nov 2022 St. James's Place Wealth Management Plc UpheldInvestmentsDRN-3753066 The complaint Miss B complained that St. James's Place Wealth Management Plc (SJP) misled her about a fee arrangement and failed to operate in a fair and transparent way. She was also unhappy with SJP’s response after she first raised concerns in February 2021. To put thin... (3 pages)View decision -
Decision Reference DRN-3067080
23 Sep 2021 HSBC UK Bank Plc UpheldMortgagesDRN-3067080 The complaint Mr and Mrs M complain HSBC UK Bank Plc trading as first direct (‘HSBC’) didn’t take sufficient care with the paper title deeds to their property. Most of our communication has been with Mr M, so I’ll keep things simple and refer only to him. What happened In 2004 ... (3 pages)View decision -
Decision Reference DRN5099181
13 Jan 2017 Home Retail Group Card Services Limited Not upheldBanking and creditMr R complains that Home Retail Group Card Services Limited (trading as Argos Card Services) incorrectly recorded a default on his credit file. backgroundMr R entered into an agreement with Argos which required him to make monthly minimum payments. His account was in arre... (3 pages)View decision -
Decision Reference DRN-4432539
16 Nov 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4432539 The complaint Mrs C has complained Bank of Scotland plc, trading as Halifax, allowed the contents of her savings account to be completely withdrawn over a short period of time without any intervention. What happened Mrs C is over 90 years old. One of her three daughters has bee... (3 pages)View decision
