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
-
Decision Reference DRN-3332254
16 Nov 2022 Nutmeg Saving and Investment Limited Not upheldInvestmentsDRN-3332254 The complaint Ms A complains Nutmeg Savings and Investments Limited (Nutmeg) transferred her whole ISA investment in error. In correcting its mistake, she says it has failed to put her back in the position she would otherwise have been in and doesn’t feel the offer for trouble ... (2 pages)View decision -
Decision Reference DRN-3437962
12 May 2022 Indigo Michael Limited UpheldConsumer CreditDRN-3437962 The complaint Mrs B (through a representative) has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) provided her with a credit facility she couldn’t afford to repay. What happened Mrs B approached SNC for a Safety Net facility in November 2017. This w... (4 pages)View decision -
Decision Reference DRN9722445
27 Feb 2020 Lloyds Bank PLC Not upheldBanking and creditComplaintMr M complains that Lloyds Bank PLC hasn’t been able to trace an account he opened in the 1990s. BackgroundMr M recently found a Lloyds cheque book going back a number of years. On Mr M’s behalf, Mrs M asked Lloyds’ branch staff to try and trace the account. She’s advised that the... (2 pages)View decision -
Decision Reference DRN-5622723
13 Jun 2025 Starling Bank Limited Not upheldBanking and PaymentsDRN-5622723 The complaint Mr T complains that Starling Bank Limited (Starling) is refusing to refund him the amount he lost as the result of a scam. Mr T is being represented by a third party. To keep things simple, I will refer to Mr T throughout my decision. What happened The backgrou... (3 pages)View decision -
Decision Reference DRN-3763191
25 Apr 2023 Sapia Partners LLP UpheldInvestmentsDRN-3763191 The complaint Mr J complains that Sapia Partners LLP (“Sapia”) mis-sold him his investment in the Blackmore Bond Innovative Finance Individual Savings Account (“Blackmore Bond”). Mr J is being represented in this complaint by a claims management company (“CMC”). However, for ea... (13 pages)View decision -
Decision Reference DRN4442064
16 Jul 2018 The Car Finance Company (2007) Ltd UpheldBanking and creditMiss H complains that an immobiliser on a car she had on hire purchase with The Car Finance Company (2007) Ltd (“TCFC”) prevented her car from starting. She also complains that TCFC wrongly debited money from her account.backgroundIn November 2016 Miss H bought a car on h... (6 pages)View decision -
Decision Reference DRN-3043005
15 Sep 2021 Portal Financial Services LLP UpheldPensions and AnnuitiesDRN-3043005 The complaint Mr C complains that Portal Financial Services LLP (formerly Portafina LLP) wrongly advised him to transfer a Section 32 Buyout Plan (S32) to a Self-Invested Personal Pension (SIPP). Mr C is being assisted with his complaint by a claims management company. For ease... (15 pages)View decision -
Decision Reference DRN5892670
23 Apr 2019 Advantage Finance Ltd UpheldBanking and creditMr A complains that a vehicle he finances through an agreement with Advantage Finance Ltd (“Advantage”) is not of satisfactory quality. He wants to be able to reject it and end his agreement.backgroundMr A took receipt of a used car in June 2018; the car was first ... (3 pages)View decision -
Decision Reference DRN-1516568
28 May 2020 Close Brothers Limited UpheldConsumer CreditDRN-1516568The complaintMr B complains that a car he has been financing through an agreement with Close Brothers Limited ("Close Brothers") has not been of satisfactory quality. What happenedMr B took receipt of a used car in November 2018. He financed the deal through a conditio... (3 pages)View decision -
Decision Reference DRN-3957110
3 May 2023 Sapia Partners LLP UpheldInvestmentsDRN-3957110 The complaint Mr R complains that Sapia Partners LLP (“Sapia”) mis-sold him his investment in the Blackmore Bond Innovative Finance Individual Savings Account (“the Blackmore Bond”). Mr R is being represented in this complaint by a claims management company (“CMC”). However, fo... (13 pages)View decision
