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 4009 results
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Decision Reference DRN-3092553
8 Oct 2021 Santander UK Plc UpheldBanking and PaymentsDRN-3092553 The complaint Mr B complains that Santander UK Plc has declined his claim under Section 75 of the Consumer Credit Act 1974. What happened In 2015 Mr B had a ‘Timeshare’ type agreement which he wanted to get out of. Around that time he came into contact with Company A who said ... (7 pages)View decision -
Decision Reference DRN3494877
26 Jan 2019 Barclays Bank UK PLC UpheldBanking and creditMr P is complaining that Barclays Bank Plc hasn’t refunded the amount he paid for three mobile phones. Mr P brings this complaint against Barclays relying, in part, on the provisions of section 75 of the Consumer Credit Act 1974. backgroundIn November 2013 Mr P agre... (3 pages)View decision -
Decision Reference DRN-4993009
30 Aug 2024 Revolut Ltd Not upheldBanking and PaymentsDRN-4993009 The complaint Mr L complains that Revolut Ltd won’t refund money he lost when he fell victim to an employment scam. Mr L is being represented by a claims management company. What happened The detailed background to this complaint is well known to both parties. The facts ab... (4 pages)View decision -
Decision Reference DRN-4707673
26 Mar 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4707673 The complaint A, a limited company complains that Santander UK Plc closed its account without good reason and did not give it notice. A’s complaint has been brought to our service by its directors, Mr and Mrs V. What happened Mr and Mrs V’s company, A, had a business account wi... (7 pages)View decision -
Decision Reference DRN-4518277
7 Mar 2024 Shawbrook Bank Limited Not upheldConsumer CreditDRN-4518277 The complaint Mr and Mrs G say that Shawbrook Bank Limited (“Shawbrook”) didn’t act fairly or reasonably when considering its obligations under the Consumer Credit Act 1974 (“CCA”) in relation to two loans taken to pay for timeshares. What happened In June 2012, Mr and Mrs G to... (10 pages)View decision -
Decision Reference DRN-4487597
7 Feb 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4487597 The complaint Mr I complains that HSBC Bank Plc (‘HSBC’) won’t refund the money he lost as a result of an investment scam. He’s being supported by a representative. To keep things simple, I’ll refer to Mr I throughout this decision. What happened The background to this complain... (7 pages)View decision -
Decision Reference DRN-4266017
25 Jul 2023 Zopa Bank Limited Not upheldConsumer CreditDRN-4266017 The complaint Mr S complains about the quality of a car supplied to him under a hire purchase agreement with Zopa Bank Limited (“Zopa”). What happened In July 2022, Mr S took out a hire purchase agreement with Zopa for a used car. This car was just over eight years old and had ... (5 pages)View decision -
Decision Reference DRN7500955
12 Nov 2018 National Westminster Bank Plc UpheldBanking and creditMr A says £1,230.00 was withdrawn from his National Westminster Bank Plc account without his authority or consent. He’d like this amount to be refunded. He says he didn’t receive the card or PIN (personal identification number) after opening a new account.backgroundI a... (8 pages)View decision -
Decision Reference DRN-3372563
15 Mar 2022 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3372563 The complaint Mr A complains Tesco Personal Finance PLC (“Tesco Bank”) has declined a claim he brought under section 75 of the Consumer Credit Act 1974 (“CCA”). Mr A is represented by a claims management company (CMC). Background I issued a provisional decision on Mr A’s compla... (7 pages)View decision -
Decision Reference DRN7969907
24 Feb 2020 Positive Solutions (Financial Services) Ltd UpheldInvestment and pensionsMr C complains a Miss S wrongly advised him to move his pension from an occupational scheme to a self-invested personal pension (SIPP) to invest £40,500 in Harlequin property. Miss S was a registered individual of Positive Solutions (Financial Services) Ltd so Mr C believes it’s responsibl... (33 pages)View decision
