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
-
Decision Reference DRN-4149655
24 Oct 2023 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-4149655 The complaint Mr M has complained about the quality of a car he acquired, using finance from Santander Consumer (UK) Plc. What happened Mr M took out a finance agreement with Santander for a used luxury car. But the following month, he contacted Santander to complain. He explai... (2 pages)View decision -
Decision Reference DRN-3862908
26 Jan 2023 Borderway Finance Limited UpheldConsumer CreditDRN-3862908 The complaint Mrs S complains about a used car she acquired through a hire purchase agreement with Borderway Finance Limited. Very shortly after acquiring the car Mrs S reported a problem with the dynamic anti roll bar, requiring its replacement. Mrs S is unhappy that this will... (5 pages)View decision -
Decision Reference DRN1891115
24 Jul 2013 Bank of Scotland Plc Not upheldBanking and creditMiss J and Mr K complain that Bank of Scotland plc (t/a Birmingham Midshires – ‘BM’) is trying to pursue them for mortgage arrears at a time when it had no security over their property.our initial conclusionsOur adjudicator didn’t recommend the complaint should succeed. He conclud... (2 pages)View decision -
Decision Reference DRN-3459505
24 Oct 2022 The Private Office Limited Not upheldPensions and AnnuitiesDRN-3459505 The complaint Mr B says The Private Office Limited (TPO) failed to provide him with sufficient advice and information in order that he could make informed decisions about the switch of his Self- invested Personal Pension (SIPP) and investment funds. What happened Mr B decided d... (6 pages)View decision -
Decision Reference DRN-3792151
10 Nov 2022 Standard Life Savings Limited Not upheldPensions and AnnuitiesDRN-3792151 The complaint Mr B complains that Standard Life Savings Limited delayed a request to transfer his pension fund to another provider. What happened Mr B had a Self Invested Personal Pension (SIPP) with Standard Life. He says it took Standard Life 70 days to transfer his SIPP to a... (6 pages)View decision -
Decision Reference DRN-3409648
8 May 2022 TRANSUNION INTERNATIONAL UK LIMITED UpheldConsumer CreditDRN-3409648 The complaint Mr B complains that TransUnion International UK Limited included information on his credit file that belonged to his sibling. What happened In about May 2021, Mr B applied for a mortgage in principle so that he could view a property he was thinking of buying. Howe... (2 pages)View decision -
Decision Reference DRN1018279
8 May 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)This complaint is about a credit card payment protection insurance (PPI) policy taken out in 2005. Mr K says The Royal Bank of Scotland Plc (RBS) mis-sold him the PPI. my findingsI’ve considered all the available evidence and arguments to decide what’s fair and rea... (2 pages)View decision -
Decision Reference DRN9621525
23 Jan 2018 Lloyds Bank PLC Not upheldBanking and creditMr O complains that he is being asked to pay charges which he thinks are unfair. He would like Lloyds Bank PLC, trading as Lloyds Bank Cardnet, to refund these to him.Mr O brings this complaint on behalf of his company – M.backgroundAs part of an agreement Mr O h... (2 pages)View decision -
Decision Reference DRN8568222
5 Sep 2013 Santander Cards UK Limited UpheldBanking and creditMr K complains that Santander Cards UK Limited wrongly registered a default on his credit card account. Mr K said that Santander should refund him the charges that it had applied to the account since it last sent him a statement.backgroundMr K says he stopped paying off the balance on ... (2 pages)View decision -
Decision Reference DRN5963805
29 Sep 2016 Mercedes-Benz Financial Services UK Limited Not upheldBanking and creditMr R complains that Mercedes-Benz Financial Services UK Limited (“MBFS”) delayed updating his credit file when his debt was repaid.background Mr R had bought a car under a credit agreement with MBFS. He sold the car to a third party, on the basis that the buyer would ... (2 pages)View decision
