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
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Decision Reference DRN-3810885
28 Nov 2022 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-3810885 The complaint Mr D complains The Royal Bank of Scotland Plc (RBS) wouldn’t accept a Continuing Power of Attorney (CPOA) from him. Mr D brings this complaint with the assistance of his attorneys who are also his parents. For ease of read I shall mostly refer to these representat... (4 pages)View decision -
Decision Reference DRN-5049505
22 Oct 2024 Advantage Insurance Company Limited Not upheldInsuranceDRN-5049505 The complaint Ms B complains about Advantage Insurance Company Limited’s handling of her car insurance claim. What happened Advantage has been represented by its agents during the claim. All references to Advantage include its agents. Ms B took out a car insurance policy in ... (4 pages)View decision -
Decision Reference DRN-4038228
24 Mar 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4038228 Complaint Mr H complains that he fell victim to a rogue trader scam, but HSBC UK Bank Plc won’t reimburse him. Background In January 2021, Mr H needed repairs to be carried out in his home. He’d noticed a leak in his bathroom ceiling and so he consulted a popular online directo... (5 pages)View decision -
Decision Reference DRN-3252542
27 Jan 2022 Shawbrook Bank Limited Not upheldConsumer CreditDRN-3252542 The complaint Mr R complains that Shawbrook Bank Limited (“Shawbrook”), has rejected the claim he made under section 75 of the Consumer Credit Act 1974 (“the Act”) in relation to a solar panel system he says was misrepresented to him by the supplier. Mr R is represented by a cl... (6 pages)View decision -
Decision Reference DRN9235570
23 Aug 2018 Tradewise Insurance Company Limited Not upheldInsurance (excluding PPI)Mr A complains that Tradewise Insurance Company Limited (“Tradewise”) won’t pay a claim he made under his motor insurance policy after the van he had insured was stolen.backgroundI issued a provisional decision on this complaint on 16 July 2018, a copy of which is att... (6 pages)View decision -
Decision Reference DRN4085897
5 Mar 2018 Lloyds Bank PLC Not upheldBanking and creditThis complaint is about a Deed of Postponement that Lloyds Bank PLC agreed to execute in respect of a charge over property Mr and Mrs J owned. The property was the security for a debt owed to the bank. They say Lloyds took too long, as a result of which a re-mortga... (3 pages)View decision -
Decision Reference DRN3902560
31 Mar 2015 Shop Direct Finance Company Limited Not upheldBanking and creditMrs V complains that Shop Direct Finance Company Limited (SDFC) was wrong to record a default on her credit file.background In 2010 Mrs V opened an account with SDFC. But when the first payment due did not arrive in her account, SDFC applied a late payment charge. ... (3 pages)View decision -
Decision Reference DRN-2946048
6 Sep 2021 TRANSUNION INTERNATIONAL UK LIMITED UpheldConsumer CreditDRN-2946048 The complaint Ms J complains that TRANSUNION INTERNATIONAL UK LIMITED (TransUnion) reported incorrect data on her credit file. What happened In August 2020, Ms J discovered a default reported by a business I will refer to as “C” on her TransUnion credit file. Ms J didn’t recogn... (3 pages)View decision -
Decision Reference DRN-4400192
13 Nov 2023 Mulsanne Insurance Company Limited UpheldInsuranceDRN-4400192 The complaint Mr C complains about how his insurer, Mulsanne Insurance Company Limited (Mulsanne) dealt with the write off of his vehicle after an accident under his motor insurance policy. Any reference to Mulsanne in this decision includes their agents. This decision covers M... (6 pages)View decision -
Decision Reference DRN2372293
31 Mar 2014 Clifton Compliance Services Ltd Not upheldInvestment and pensionsMrs B’s complaint concerns the advice she received from Clifton Compliance Services Ltd(Clifton) to transfer her existing pension arrangements into a self-invested personal pension(SIPP). She is also unhappy with the events which unfolded following this course of action.backgroundThe bac... (6 pages)View decision
