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 71523 results
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Decision Reference DRN-4187382
18 Jul 2023 Age Partnership Limited Not upheldPensions and AnnuitiesDRN-4187382 The complaint Mr M, through his representative, has complained about advice he received from Age Partnership Limited (APL). This advice was to purchase a fixed term annuity using the benefits held within a Friends Life Section 32 (s32) plan. Mr M states the advice was unsuitabl... (6 pages)View decision -
Decision Reference DRN-3068155
7 Oct 2021 Oodle Financial Services Limited Not upheldConsumer CreditDRN-3068155 The complaint Mr F is unhappy with how Oodle Financial Services Limited dealt with his request for assistance as a result of the Coronavirus (Covid-19) pandemic. What happened On 24 September 2019, Mr F was supplied with a used car through a hire purchase agreement with Oodle. ... (3 pages)View decision -
Decision Reference DRN5996250
30 Oct 2017 Shop Direct Finance Company Limited Not upheldBanking and creditMrs B complains that Shop Direct Finance Company Limited handled her accounts poorly when she was facing financial difficulties. background Mrs B has three accounts with Shop Direct and in recent times has encountered financial difficulties. She has been in contact wi... (2 pages)View decision -
Decision Reference DRN-2951896
1 Aug 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2951896 The complaint Ms C complains that Barclays Bank UK PLC trading as Barclaycard (“Barclaycard”) registered two defaults on her credit file without informing her in writing. She feels the defaults have been applied unfairly as her account has never been in arrears for three months... (7 pages)View decision -
Decision Reference DRN4731710
17 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMiss U and Mr J complain that NEO Media Solutions Limited (trading as One Debt Solution): did not explain clearly to them how its debt management plan would operate; did not pass on payments to their creditors; and after they cancelled their agreement, refused to return the payment... (2 pages)View decision -
Decision Reference DRN-2901209
30 Jun 2021 Capital One (Europe) plc UpheldBanking and PaymentsDRN-2901209 The complaint Mr T thinks Capital One (Europe) plc acted irresponsibly by approving two credit cards he couldn’t afford and by increasing the credit limit on one of them. What happened Capital One approved the first of Mr T’s credit cards in October 2016 (account one) and set ... (7 pages)View decision -
Decision Reference DRN-4320686
13 Oct 2023 Fairscore Ltd Not upheldConsumer CreditDRN-4320686 The complaint Miss B complains that Fairscore Ltd trading as Updraft (‘Updraft’) irresponsibly gave her a loan that she couldn’t afford on 19 October 2021. What happened In 2021, Miss B applied for a loan with Updraft. The loan amount was £4,500 and the monthly repayment was £1... (2 pages)View decision -
Decision Reference DRN0409922
12 May 2020 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs S have complained that mortgage advice they was given in September 2005 by a representative of Legal & General Partnership Services Limited (L&G) was unsuitable. They are asking for financial compensation.backgroundIn September 2005 Mr and Mrs S were given mortgage advic... (3 pages)View decision -
Decision Reference DRN8280821
28 Jan 2016 Bank of Scotland Plc UpheldBanking and creditThis complaint is about a secured loan taken out by L in 2006 with Bank of Scotland plc (BoS). L was a partnership; it had three partners, all of whom have consented to us looking at the complaint, as our rules require. But the complaint has been presented by one ... (3 pages)View decision -
Decision Reference DRN0087652
8 Sep 2020 Nationwide Building Society UpheldBanking and creditComplaintMs H complains that Nationwide Building Society are holding her liable for an overdraft which was set up on a joint account she had with her ex-husband. She’d like for Nationwide to stop chasing her for the debt and any record to be removed from her credit file. BackgroundMs H and... (3 pages)View decision
