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 4269 results
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Decision Reference DRN-4222841
4 Dec 2023 ITI Capital Limited UpheldInvestmentsDRN-4222841 The complaint Miss J complains that ITI Capital Limited failed to return her share certificate to her after she closed her account. What happened Miss J asked to close her account with ITI on 1 August 2022. On 6 September 2022, Miss J asked ITI to return her share certificate t... (2 pages)View decision -
Decision Reference DRN0652042
6 Aug 2013 Lloyds TSB Bank Plc Not upheldBanking and creditsummary of complaintMr A complains about a default registered on his credit file by Lloyds TSB Bank Plc (“Lloyds TSB”). He wants Lloyds TSB to remove it.He says Lloyds TSB did not have the right to increase the interest rate it applied to his account and in any event the interest char... (3 pages)View decision -
Decision Reference DRN5313172
9 Nov 2015 Capquest Debt Recovery Limited Not upheldBanking and creditMr E complains that Capquest Debt Recovery Limited should remove a default that has been registered on his credit file.backgroundMr E had a credit card account with a lender who I’ll call “C”. More or less overnight, his financial situation changed and he was struggli... (2 pages)View decision -
Decision Reference DRN1275592
28 Feb 2014 Santander Cards UK Limited Not upheldBanking and creditMr Y complains that Santander Cards UK Limited wrongly holds him liable for transactions made fraudulently to his credit card account.backgroundMr Y says he lost his Santander credit card but could not report the loss because he had to go on a training course shortly afterwards. He report... (2 pages)View decision -
Decision Reference DRN1098820
27 Aug 2013 Santander UK Plc Not upheldBanking and creditMrs C complains that Santander UK Plc (“Santander”) wrongly told her in December 2007 that she had cleared her debt in full. She therefore believes that Santander should not have registered a default in respect of this debt. our initial conclusionsAn adjudicator investigated the co... (2 pages)View decision -
Decision Reference DRN1685324
19 Jun 2013 Style Financial Services Limited Not upheldBanking and creditMrs F complains that Style Financial Services Limited is unable to provide her with originals or copies of her credit agreements for two credit card accounts. Mrs F has denied knowledge of either account and does not believe that she should have to pay any amounts owed.our initi... (2 pages)View decision -
Decision Reference DRN3857100
24 Feb 2015 First Data Europe Limited Not upheldBanking and creditK is a limited company and its complaint is brought on its behalf by its representative Mr J. Mr J complains that First Data Europe Limited unfairly withheld money representing plastic card payments made to K and unreasonably terminated K’s merchant facility with it.backgroundK had mer... (2 pages)View decision -
Decision Reference DRN1184929
7 Jun 2013 HFC Bank Limited UpheldBanking and creditsummary of complaintMs B complains that HFC Bank Limited has not treated her positively and sympathetically whilst she has been experiencing financial difficulties. She is unhappy that the bank registered a default against her account and then continued to apply interest and charges afte... (2 pages)View decision -
Decision Reference DRN-3360325
9 Mar 2022 Volkswagen Financial Services (UK) Limited UpheldConsumer CreditDRN-3360325 The complaint Mr K is unhappy that Volkswagen Financial Services (UK) Limited (“VWFS”) failed to retain a cherished number plate when his lease ended. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll foc... (2 pages)View decision -
Decision Reference DRN4742023
6 Feb 2015 The National Farmers' Union Mutual Insurance Society Limited Not upheldInsurance (excluding PPI)Mr V’s complaint concerns the way The National Farmers’ Union Mutual Insurance Society Limited (NFU) has dealt with his burglary claim, the time it has taken and the payments he has received for loss of rent and building works..background Mr V’s property suffered a burglary which he disco... (3 pages)View decision
