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 70252 results
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Decision Reference DRN-3082415
4 Oct 2021 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3082415 The complaint Miss C is unhappy with the standard of service she’s received from National Westminster Bank Plc (“NatWest”) surrounding the issuance of letters advising that her credit card account is considered as being in persistent debt and the subsequent suspension of that a... (4 pages)View decision -
Decision Reference DRN0028046
28 Jan 2019 Clydesdale Financial Services Limited UpheldBanking and creditMr F complains that Clydesdale Financial Services Limited (trading as Barclays Partner Finance) (CFS) says he’s liable to repay a car loan that it told him was settled years ago. backgroundMr F took out this loan in 2004. He had trouble meeting the repayments and CFS ... (2 pages)View decision -
Decision Reference DRN0166026
5 Nov 2015 American Express Services Europe Limited UpheldPayment protection insurance (PPI)Mr J is unhappy that American Express Services Europe Limited (AmEx) has used his payment protection insurance (PPI) compensation to reduce the amount he owes AmEx.backgroundMr J took out the PPI policy when he applied for a credit card in 2004. The policy was cancelled ... (3 pages)View decision -
Decision Reference DRN7529250
13 Jul 2017 HSBC Bank plc Not upheldBanking and creditThis complaint’s about a joint mortgage Mr and Mrs P have with HSBC Bank Plc, and a personal loan that Mr P holds with the bank. They used the mortgage to buy a house which needed renovating, and the loan to continue working on the renovation. They complain that ... (3 pages)View decision -
Decision Reference DRN8608900
19 Jan 2016 Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr S is complaining that Bank of Scotland plc (trading as Halifax) mis-sold him a payment protection insurance (PPI) policy on a credit card. He’s unhappy with how much it’s offered him in compensation. He’s also complaining that it’s charged him interest and bank charge... (7 pages)View decision -
Decision Reference DRN-3400889
18 Aug 2022 Quilter Financial Limited Not upheldPensions and AnnuitiesDRN-3400889 The complaint Mr F complains about the advice given by an appointed representative of Quilter Financial Limited (‘Quilter’) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a personal pension with a drawdown facility. He says the advice wa... (8 pages)View decision -
Decision Reference DRN-3572403
25 Jul 2022 Lowell Financial Ltd Not upheldBanking and PaymentsDRN-3572403 The complaint Mr B complains that Lowell Financial Ltd (Lowell) is unfairly seeking to collect debts from him What happened Lowell has three accounts in Mr B’s name. Lowell said it purchased a credit card from the original lender (C) in February 2016 and sent Mr B a notice of a... (2 pages)View decision -
Decision Reference DRN-3815722
3 Feb 2023 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-3815722 The complaint Mr J complains about how Sainsbury's Bank Plc (“Sainsbury’s”) dealt with his financial difficulties and that it reported his account as being in default. What happened In 2021, Mr J got in touch with a debt charity to help him with his financial difficulties.... (3 pages)View decision -
Decision Reference DRN-4360779
1 Nov 2023 Swift 1st Limited Not upheldMortgagesDRN-4360779 The complaint Mr and Mrs W have complained to Swift 1st Limited trading as Swift Advances about a second charge loan. The loan was originally taken out with lender W and it was transferred to lender C in May 2018. Lender C then transferred it to Swift in April 2023. Mr and Mrs ... (3 pages)View decision -
Decision Reference DRN7500775
16 May 2019 HSBC UK Bank Plc Not upheldPayment protection insurance (PPI)Mr T’s complaint is about the way HSBC UK Bank Plc (HSBC) has offered to compensate him for its mis-sale of a payment protection insurance (PPI) policy attached to a credit card.backgroundIn 2002, Mr T took out a credit card with HSBC. At the same time he was sold... (3 pages)View decision
