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 4037 results
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Decision Reference DRN-4510964
22 Feb 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4510964 The complaint Mr Z complains that Santander UK Plc displayed wrong information about their foreign cheque deposit process on their website. What happened Mr Z had a foreign currency cheque that he wanted to deposit into his Santander account. He says that he looked at Santander... (3 pages)View decision -
Decision Reference DRN2790710
29 Aug 2018 The Co-operative Bank Plc Not upheldBanking and creditMr W complains about how The Co-operative Bank Plc (“Co-op”) dealt with his concerns about a cheque which was taking a long time to clear. backgroundMr W said that he paid a cheque in to Co-op on 10 May. He used a third party company which accepts cheques for his bank.... (3 pages)View decision -
Decision Reference DRN-3042696
1 Feb 2022 Redswan Limited UpheldPensions and AnnuitiesDRN-3042696 The complaint Mrs H opened a self-invested personal pension scheme (SIPP) with Redswan Limited in July 2007. And, via her Redswan SIPP, she invested in a loan note arrangement with an Australian company I will call MN. Mrs H says the investment was a scam, MN has gone into l... (38 pages)View decision -
Decision Reference DRN4944785
18 Aug 2020 Blue Motor Finance Ltd UpheldBanking and creditMr I complains that Blue Motor Finance Ltd (“Blue”) took possession of the car it had supplied to him under a hire purchase agreement, when it ought not to have done so.backgroundIn April 2016 Mr I entered into a hire purchase agreement for a used car. Mr I had a complaint about the qualit... (4 pages)View decision -
Decision Reference DRN2613411
31 Mar 2021 MBNA Limited UpheldBanking and creditMrs W complains that MBNA Limited has refused to fully refund her credit card account following a claim for misrepresentation she made about a holiday accommodation booking. background Mrs W paid for a booking for a villa with a supplier I’ll call “T” using her MBNA Limited (“MBNA”) credit... (4 pages)View decision -
Decision Reference DRN6982924
22 Jul 2019 Black Horse Limited UpheldBanking and creditMr U complains that three hire purchase agreements that he entered into with Black Horse Limited were unaffordable for him and that it didn’t do enough to check that they were affordable. backgroundMr U entered into three hire purchase agreements with Black Horse in September 2018 – two o... (3 pages)View decision -
Decision Reference DRN-3657535
21 Oct 2022 Portal Financial Services LLP UpheldPensions and AnnuitiesDRN-3657535 The complaint Ms T complains that Portal Financial Services LLP gave her unsuitable advice to transfer her personal pension to a Self-Invested Personal Pension (SIPP). What happened In 2013 Ms T spoke to Portal about her pension. Portal completed a fact-find and attitude to ris... (7 pages)View decision -
Decision Reference DRN-4478868
30 Apr 2024 Blue Motor Finance Ltd UpheldConsumer CreditDRN-4478868 The complaint Mr M complains about a car he acquired under a hire purchase agreement with Blue Motor Finance Ltd. What happened In March 2023 Mr M entered into a regulated hire purchase agreement with Blue Motor Finance in relation to a used car. The car was six years old, its ... (3 pages)View decision -
Decision Reference DRN5676923
7 Oct 2020 I.P.M. SIPP Administration Limited Not upheldInvestment and pensionsMr R has complained about the service he received from I.P.M. SIPP Administration (IPM) who he considers haven’t been transparent in their dealings with his pension scheme. Mr R says IPM made unjustified payments to third parties and failed to invest a refund issued by cheque for £2,433 by... (7 pages)View decision -
Decision Reference DRN-4039279
22 Mar 2023 Black Horse Limited Not upheldConsumer CreditDRN-4039279 The complaint Mr C has complained that a series of car finance agreements taken from Black Horse Limited trading as Jaguar Financial Services (“Black Horse”) are unfair, have been misrepresented, and were lent to him irresponsibly. What happened Mr C has been represented in thi... (10 pages)View decision
