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 71923 results
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Decision Reference DRN-2719311
6 May 2021 Oplo PL Ltd UpheldConsumer CreditDRN-2719311 The complaint Mr L says 1st Stop Personal Loans Limited didn’t complete proper checks to make sure the loan he applied for was affordable. What happened Mr L took out a 60-month instalment loan from 1st Stop on 26 June 2017. It was for £6,000 and the monthly repayments were £1... (4 pages)View decision -
Decision Reference DRN2584710
12 Feb 2021 HSBC UK Bank Plc Not upheldInvestment and pensionsComplaint Mr D complains that HSBC UK Bank Plc mis-sold him several interest rate hedging products (IRHPs) and hasn’t paid enough compensation. Background Mr D brings his complaint alongside another which is brought by a limited company owned by Mr D. I’ll call the company “S”. Like Mr D’s... (14 pages)View decision -
Decision Reference DRN5889488
22 Sep 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMr C complains that Lowell Portfolio I Ltd (Lowell) is wrongly chasing him for a debt and has incorrectly and unlawfully reported adverse information on his credit file.our initial conclusionsLowell bought Mr C’s debt from the original credit provider in May 2014 and it wrote to ... (2 pages)View decision -
Decision Reference DRN0190399
18 Jul 2017 Ideal Corporate Solutions Limited Not upheldBanking and creditMrs D complains, in summary, that Ideal Corporate Solutions Limited, trading as Ideal Debt Solutions, (“IDS”), didn’t provide her with appropriate information about a debt management plan (“DMP”) with it. The complaint is brought to this service on Mrs D’s behalf by a ... (3 pages)View decision -
Decision Reference DRN0160054
31 May 2017 Santander UK Plc Not upheldBanking and creditMrs E complains that Santander UK Plc is taking all her income to repay a debt which she says she doesn’t owe. She wants to know how her account has been run by the bank and why it believes she owes it money.backgroundMrs E had two accounts with the bank. One was... (2 pages)View decision -
Decision Reference DRN7397356
3 Jul 2019 IGO4 Limited Not upheldInsurance (excluding PPI)Mr C’s unhappy IGO4 Limited (trading as Wise Driving) cancelled his motor insurance policy and that he’s been charged for this. He wants his policy reinstated or all the fees on the policy waived. backgroundIGO4 said when Mr C took out the policy he was sent det... (2 pages)View decision -
Decision Reference DRN-3431390
4 Jul 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3431390 The complaint Ms H complains about what she sees as service failures on the part of HSBC UK Bank Plc and about the way in which it has dealt with her financial difficulties. Specifically, she says: She did not have access to online banking, so could not see messages from HSBC.... (3 pages)View decision -
Decision Reference DRN2434674
13 Feb 2014 MBNA Limited Not upheldBanking and creditMiss B complains that MBNA Limited did not tell her that the interest rate on her credit card account increased. This meant her account fell into arrears and, following default, the debt was sold to a third party and a court judgement registered against her. Miss B wants the collection ... (2 pages)View decision -
Decision Reference DRN5697458
23 Sep 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs M complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.our initial conclusionsOur adjudicator recommended upholding the complaint. L&G didn’t agree, so the case has come to me.my final decisionI... (2 pages)View decision -
Decision Reference DRN1264306
5 Jun 2015 HSBC Bank plc Not upheldBanking and creditS, a limited company, complains that HSBC Bank Plc did not respond to efforts to repay a debt. It issued threatening letters instead. S is represented by its director, Mr W. Mr W asks that HSBC reinstates S’s bank account, agrees reasonable terms to repay the lo... (2 pages)View decision
