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 4014 results
-
Decision Reference DRN-3495800
1 Jun 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3495800 The complaint Mr L complains Santander UK Plc has failed to honour a claim he brought under section 75 of the Consumer Credit Act 1974 (“CCA”) What happened I issued a provisional decision on this complaint on 17 May 2022 and invited both parties to provide me with any further ... (11 pages)View decision -
Decision Reference DRN-3345553
24 Mar 2022 Wellington Court Financial Services Limited UpheldPensions and AnnuitiesDRN-3345553 The complaint Mr T has complained about the transfer of his personal pension to a self-invested personal pension (“SIPP”) in 2015. His transfer proceeds were put into property-based investments that appear to have all failed. He holds Wellington Court Financial Services Limited... (16 pages)View decision -
Decision Reference DRN-5137493
16 Apr 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5137493 The complaint Mr M complains that Revolut Ltd won’t refund money he lost when he was a victim of an investment scam. Mr M is represented by a firm I’ll refer to as ‘R’. What happened The background to this complaint is well known to both parties and so I’ll only refer to som... (9 pages)View decision -
Decision Reference DRN-4938179
21 Mar 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-4938179 The complaint Mr B complains that Revolut Ltd (Revolut) is refusing to refund him the amount he lost as the result of a scam. Mr B is being represented by a third party. To keep things simple, I will refer to Mr B throughout my decision. What happened The background of this ... (6 pages)View decision -
Decision Reference DRN-5233742
30 Dec 2024 First Holiday Finance Ltd Not upheldConsumer CreditDRN-5233742 The complaint Mrs K and Mr S’s complaint is, in essence, that First Holiday Finance Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’... (14 pages)View decision -
Decision Reference DRN-3450189
26 Apr 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3450189 The complaint Mr M has complained that Everyday Lending Limited trading as Everyday Loans (“EDL”) was irresponsible to have agreed credit for him. Mr M has brought his complaint to us via a representative. For simplicity, I will refer to him throughout. What happened EDL provid... (3 pages)View decision -
Decision Reference DRN7746055
19 Oct 2020 St. James's Place Wealth Management Plc UpheldInvestment and pensionsMrs T, Mr F (junior) and Mrs S (as attorneys for Mrs F) and Mrs T and Mr F (junior) (as executors for Mr F) complain about the advice given by St. James’s Place Wealth Management Plc (“St. James’s Place”) both before and after Mr F passed away in December 2014. In particular Mrs T, Mr F (j... (20 pages)View decision -
Decision Reference DRN-3424629
19 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3424629 The complaint Mrs S has complained that Everyday Lending Limited trading as Everyday Loans (“EDL”) was irresponsible to have agreed credit for her. What happened EDL provided Mrs S with a loan of £2,000 in September 2019. The total amount of £3,870, including i... (3 pages)View decision -
Decision Reference DRN8671642
25 Mar 2021 Quilter Financial Planning Solutions Limited UpheldInvestment and pensionsComplaint Mr R complains that he was given unsuitable advice by a Registered Individual (Mr S) of Quilter Financial Planning Solutions Limited to switch his existing pensions to a Self-Invested Personal Pension (SIPP) and make investments in the shares of two unlisted companies. Mr R says ... (13 pages)View decision -
Decision Reference DRN-3595183
31 Mar 2023 Hargreaves Lansdown Asset Management Limited Not upheldInvestmentsDRN-3595183 The complaint Mr J has complained that Hargreaves Lansdown Asset Management Limited (‘HL’) unfairly denied him access to the accounts he held on its platform. Mr J said this caused him considerable stress and a sense of victimisation. What happened Mr J had three accounts with ... (4 pages)View decision
