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
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Decision Reference DRN-2611028
8 Mar 2021 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-2611028 The complaint Mr M has complained to Santander Consumer (UK) Plc trading as Santander Consumer Finance (“Santander”) when a car he was paying for under a conditional sale agreement exhibited a fault. He says the car wasn’t of satisfactory quality when he entered into the agreem... (5 pages)View decision -
Decision Reference DRN-3670048
18 Nov 2022 Legal & General (Portfolio Management Services) Ltd Not upheldInvestmentsDRN-3670048 The complaint Mr and Mrs B complain, through a claims management company, that Legal & General (Portfolio Management Services) Ltd provided unsuitable investment advice in 2006 when it recommended them to invest £14,000 in stocks and shares ISAs* and £14,000 in Unit Trusts.... (7 pages)View decision -
Decision Reference DRN5448159
16 Oct 2017 Citibank Europe plc Not upheldBanking and creditMr T complains that Citibank Europe plc, having closed his foreign currency account, will not allow him to withdraw the balance in cash.backgroundIn May 2017, Citibank informed Mr T that it would close his account in July 2017. There is no dispute the bank was acting... (2 pages)View decision -
Decision Reference DRN-3272547
7 Mar 2022 Westerby Trustee Services Limited UpheldPensions and AnnuitiesDRN-3272547 The complaint Mr B complains that Westerby Trustee Services Limited (“Westerby”) should not have accepted investments into his Self-Invested Personal Pension (“SIPP”) without carrying out the necessary checks. What happened Westerby has been represented by two law firms for per... (38 pages)View decision -
Decision Reference DRN0670431
25 Sep 2019 TenetConnect Limited Not upheldInvestment and pensionsMr V’s complaint is about Michael Meese and Associates (“Meese and Associates”), an appointed representative of TenetConnect Limited (“Tenet”). A representative initially made the complaint on Mr V’s behalf. The representative said Meese and Associates switched Mr V’s personal pension plan... (19 pages)View decision -
Decision Reference DRN6032165
16 Dec 2020 S4 Financial Ltd Not upheldInvestment and pensionsMr O has complained about advice he received from S4 Financial Ltd to invest in the Quorum 8 Enterprise Zone Trust (EZT) Property Syndicate in October 2005. In particular, Mr O has said that the individual investment wasn’t suited to his balanced risk profile, and that, in recommending the... (44 pages)View decision -
Decision Reference DRN-4732777
28 Jun 2024 Jan Kazimierz Pietruszka UpheldPensions and AnnuitiesDRN-4732777 The complaint Mr T complains that JAN Investment Marketing (also trading as Jan Kazimierz Pietruszka) (JAN) were involved in transferring his pension funds and they didn’t do what they ought to have done, which ultimately meant he was unsuitably invested and he suffered loss. W... (36 pages)View decision -
Decision Reference DRN-4153977
9 Jun 2023 TSB Bank plc Not upheldMortgagesDRN-4153977 The complaint Mr K, who’s represented by his solicitors, complains about the interest rate he’s been charged on his mortgage with TSB Bank plc trading as Whistletree. What happened Mr K took out his mortgage with the former Northern Rock bank in 2007. He borrowed £80,000 over a... (26 pages)View decision -
Decision Reference DRN-3423152
31 Mar 2023 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-3423152 The complaint Mr C complains, with the help of a representative, that London & Colonial Services Limited (‘L&C’) failed to undertake sufficient due diligence when accepting his Self-Invested Personal Pension (“SIPP”) application and allowing his subsequent investment. W... (29 pages)View decision -
Decision Reference DRN-5732466
27 Oct 2025 Lloyds Bank PLC UpheldBanking and PaymentsDRN-5732466 The complaint Mrs F complains that Lloyds Bank PLC won’t reimburse her after she fell victim to a job scam. What happened The circumstances of this complaint, as well as a list of payments complained about, have been set out in detail by our investigator so I don’t intend to... (5 pages)View decision
