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 70898 results
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Decision Reference DRN5498682
2 Aug 2019 BDO Northern Ireland Not upheldInvestment and pensionsMr L has complained that he was wrongly advised by BDO Northern Ireland (BDONI) to release funds from his pension to invest in an unregulated property development. In particular, he says:-the investment scheme hadn’t received HMRC approval, nor had this been sought;-he was assured the sche... (14 pages)View decision -
Decision Reference DRN-5038738
24 Sep 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5038738 The complaint Miss B complains Barclays Bank UK PLC (Barclays) unfairly closed her bank account. What happened Miss B says Barclays debited her bank account with payments in July 2022 and August 2022 totalling over £440, despite the fact her account had no funds available to... (4 pages)View decision -
Decision Reference DRN-4735668
5 Sep 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4735668 The complaint Mr M complains that when his debit card was swallowed by an ATM, HSBC UK Bank Plc didn’t tell him his direct debit had been cancelled. He said this should have been explained and restored and his debt should not have been referred to a collection agency. What ... (4 pages)View decision -
Decision Reference DRN9778878
8 Nov 2013 Barclays Bank Plc UpheldBanking and creditMr T complains that Barclays Bank PLC was irresponsible in its lending to his late father. He considers that Barclays should write off the debt owed to it by his late father’s estate. Mr T brings the complaint as personal representative of the estate.backgroundMr T’s father had two cred... (2 pages)View decision -
Decision Reference DRN-5415771
8 Apr 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5415771 The complaint Mr G is unhappy that Santander UK Plc have used a refund balance paid to his credit card to reduce his level of debt on that credit card and won’t release the refund balance to his current account. What happened On 7 February 2023, Mr G bought a laptop for £679... (2 pages)View decision -
Decision Reference DRN0675945
19 Dec 2018 Barclays Bank Plc Not upheldBanking and creditMr M complains that Barclays Bank Plc (trading as Barclaycard) didn’t waive interest and charges while he was experiencing financial difficulties.backgroundMr M had two credit card accounts with Barclaycard. He began to experience financial difficulties in March 2015 an... (2 pages)View decision -
Decision Reference DRN9339972
25 Mar 2014 Northern Debt Recovery Limited UpheldBanking and creditMr E complains about the way Northern Debt Recovery Limited (“NDR”) responded to his financial difficulties. backgroundMr E’s debt was passed to NDR for collection. NDR did not make any attempt to assess Mr E’s financial situation despite being made aware of his financial difficulty ... (2 pages)View decision -
Decision Reference DRN-3492548
28 Jun 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3492548 The complaint Mr J has complained that AvantCredit of UK, LLC was irresponsible in lending to him. What happened In June 2018 AvantCredit provided Mr J with a loan of £4,000. The loan was repayable over 36 months and the monthly repayments were £186.07. Mr J said the purpose of... (3 pages)View decision -
Decision Reference DRN6509467
26 Aug 2015 Legal & General Partnership Services Limited Not upheldBanking and creditUnder the rules of the Financial Ombudsman Service, I am required to ask Mr and Mrs B either to accept or reject my decision before 28 September 2015. Jan O’Leary ombudsman at the Financial Ombudsman ServicecomplaintThrough a claims management company (CMC) Mr and Mrs B complai... (2 pages)View decision -
Decision Reference DRN-3055142
5 Oct 2021 TFS Loans Limited Not upheldConsumer CreditDRN-3055142 The complaint and what happened Ms T complains that TFS Loans Limited, trading as Blue Fish Loans (“Blue Fish”), lent to her irresponsibly and without carrying out proper affordability checks. She would like all the fees and charges associated with the loan refunded, as well as... (3 pages)View decision
