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 4032 results
-
Decision Reference DRN-5248152
8 Jan 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5248152 The complaint Ms S complains that Santander UK Plc (Santander) won’t refund her money she lost in an investment scam. Ms S is represented by a third-party, but I’ll refer only to Ms S for ease of reading. What happened The circumstances surrounding this fraud are well known... (5 pages)View decision -
Decision Reference DRN-3489145
14 Jun 2022 Insight Financial Associates Limited UpheldPensions and AnnuitiesDRN-3489145 The complaint Mr L says that Insight Financial Associates Limited gave him unsuitable advice to transfer his personal pension into a family pension trust (FPT). What happened Mr L met Insight a couple of times during October 2011, initially to discuss a group personal pension p... (11 pages)View decision -
Decision Reference DRN-4553976
12 Jan 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4553976 The complaint Mr L complains that Lloyds Bank PLC won’t refund him the money he lost, after he fell victim to an Authorised Push Payment (“APP”) scam. Mr L is represented by a third party in bringing his complaint. For ease of reading, I will only refer to Mr L in my decision. ... (5 pages)View decision -
Decision Reference DRN-4255484
8 Dec 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4255484 The complaint Mr L complains that HSBC UK Bank Plc did not make it clear the mechanism used to exchange funds received in a different currency. What happened Mr L says he opened a HSBC account and a HSBC international currency account so he could receive United States Dollars (... (4 pages)View decision -
Decision Reference DRN-3568693
29 Jun 2022 Shard Capital Partners LLP Not upheldInvestmentsDRN-3568693 The complaint Mr Z complains about delays in opening an account and in transferring shares with Shard Capital Partners LLP. He says this caused him financial loss. Mr Z also complains that Shard misled him about the opportunities it would offer him once he opened his account. D... (6 pages)View decision -
Decision Reference DRN-3363870
10 Mar 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3363870 The complaint Mr B has complained that Madison CF UK Limited trading as 118 118 Money was irresponsible in lending to him. What happened 118 118 Money provided Mr B with the following loans: Date taken Total Loan Term Monthly repayment Amount Borrowed Date repaid Loan 1 24/06/1... (4 pages)View decision -
Decision Reference DRN7202096
11 Oct 2017 Casheuronet UK LLC UpheldBanking and creditMr P complains CashEuroNet UK LLC (trading as Pounds to Pocket) gave him unaffordable loans.backgroundThe background to this complaint, and my initial sets of findings on it, can be found in my provisional decisions which are attached to and form part of this fina... (10 pages)View decision -
Decision Reference DRN2705264
13 Dec 2017 MBNA Limited Not upheldBanking and creditMrs C complains that MBNA Limited won’t refund a number of transactions she made with her credit card to a binary trading company. She says she was the victim of a scam.backgroundI issued my provisional decision in July 2017. In my provisional decision, I explained ... (3 pages)View decision -
Decision Reference DRN-4629630
13 Jun 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4629630 The complaint Miss M complains that Santander UK Plc didn’t do enough to protect her when she fell victim to a scam and won’t refund the money she lost. What happened Miss M was introduced to a crypto investment by a friend on social media. Although, sadly, it later turned-out... (5 pages)View decision -
Decision Reference DRN-2136087
2 Sep 2020 Suffolk Life Pensions Limited UpheldPensions and AnnuitiesDRN-2136087The complaintMr M complains that Suffolk Life Pensions Limited ("SLP") failed to act on his instructions in a timely manner. What happenedI have previously issued two provisional decisions on this complaint. The second provisional decision was issued in August 2020 and... (3 pages)View decision
