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 4096 results
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Decision Reference DRN2625656
29 Nov 2013 Lloyds Bank PLC Not upheldBanking and creditMr V complains that Lloyds Bank PLC refuses to accept that he deposited £2,000 in cash at one of its branches to pay off his loan. He considers it should acknowledge it received the money, close his loan account and remove any adverse information it may have registered on his credit file ... (2 pages)View decision -
Decision Reference DRN0639049
27 Oct 2020 N.I.I.B. Group Limited UpheldBanking and creditMr P complains that a used car he got with finance from N.I.I.B. Group Limited (trading as Northridge Finance) (“Northridge”) was of unsatisfactory quality. background Mr P got this car near the start of October 2018 with a hire purchase agreement (HPA) from Northridge. He took the car bac... (6 pages)View decision -
Decision Reference DRN4712829
16 Feb 2015 Personal Touch Financial Services Ltd UpheldInvestment and pensionsMr T has complained that the investment bond recommended to him by Personal Touch Financial Services Ltd in 2005 was not suitable for him and that he has been financially disadvantaged as a result.backgroundOur adjudicator who assessed the matter was of the view that the complaint shoul... (5 pages)View decision -
Decision Reference DRN-5028246
18 Sep 2024 OneSavings Bank Plc Not upheldMortgagesDRN-5028246 The complaint This complaint is brought by a limited company (which I will refer to as BW), represented by one of its directors, Mr W. The other director of the company is Mr W’s wife, Mrs W, who has consented to the complaint being brought. The complaint is that OneSavings... (6 pages)View decision -
Decision Reference DRN-4701804
14 Oct 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4701804 The complaint Mr B complains about the quality of a used car that was supplied through a Conditional Sale Agreement with Moneybarn No. 1 Limited (MBL). Mr B also complains about the administration of his agreement which led to it being cancelled in error, leaving him in arre... (6 pages)View decision -
Decision Reference DRN-5119419
14 May 2025 Stellantis Financial Services UK Limited UpheldConsumer CreditDRN-5119419 The complaint Mr H has complained about the quality of a car provided on finance by Stellantis Financial Services UK Limited. What happened Stellantis supplied Mr H with a new car on a hire purchase agreement in November 2020. The cash price of the car was around £24,000. T... (5 pages)View decision -
Decision Reference DRN-5640108
4 Nov 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5640108 The complaint Mr B complains HSBC UK Bank Plc unfairly recorded a Cifas marker against him. He wants the marker removed and compensation for the impact the marker has had on him. What happened The background that led to HSBC recording a marker against Mr B are understood by ... (4 pages)View decision -
Decision Reference DRN-5303711
5 Mar 2025 IFG Pensions Limited UpheldPensions and AnnuitiesDRN-5303711 The complaint Mr S’s complaint concerns investments made in a self-invested personal pension (SIPP) provided by IFG Pensions Limited (IFG). The investments were in shares of a company which said it intended to buy and develop land in Cyprus, generating profit for shareholder... (33 pages)View decision -
Decision Reference DRN5709336
24 Dec 2020 Secure Trust Bank Plc UpheldBanking and creditMr B is unhappy that Secure Trust Bank Plc wouldn’t accept the rejection of a car which they supplied to him under a hire purchase agreement. background A used car was supplied to Mr B under a hire purchase agreement with Secure Trust in May 2018. The car was supplied by car dealership (‘T... (9 pages)View decision -
Decision Reference DRN7930884
8 Jun 2015 Bank of Scotland Plc Not upheldBanking and creditMrs K complains that Bank of Scotland plc didn’t treat her fairly when she told it that someone had stolen money from her joint account. Mrs K says she found the experience traumatic. Mrs K wants the bank to pay more compensation than it has offered to date.back... (2 pages)View decision