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 364422 results
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Decision Reference DRN-5474256
14 Apr 2025 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-5474256 Complaint Miss M complains that BMW Financial Services (GB) Limited (“Alphera” Financial Services) unfairly entered into a hire-purchase agreement with her. She’s said the agreement was unaffordable and so she shouldn’t have been accepted for it. Background In December 2017... (3 pages)View decision -
Decision Reference DRN-5233265
14 Apr 2025 Nationwide Building Society Not upheldConsumer CreditDRN-5233265 Complaint Mr M has complained about personal loans Nationwide Building Society (“Nationwide”) provided to him. He says that these loans were unaffordable. Background Mr M has also complained about a credit card and an overdraft which Nationwide provided to him. However, we’... (3 pages)View decision -
Decision Reference DRN-5462374
14 Apr 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5462374 Complaint Ms K has complained about a credit card Zopa Bank Limited (“Zopa”) provided to her. She says credit card was irresponsibly provided as it was unaffordable for her. Background Zopa provided Ms K with a credit card with a limit of £200 in December 2021. The limit on... (3 pages)View decision -
Decision Reference DRN-5204490
14 Apr 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5204490 Complaint This complaint is being made against Moneybarn No.1 Limited (“Moneybarn”) by the estate of Mr P. For the sake of clarity I will refer to the estate of Mr P as “the estate” in this final decision. The estate has complained that Moneybarn unfairly entered into condi... (5 pages)View decision -
Decision Reference DRN-5209911
14 Apr 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5209911 Complaint Mr D has complained about the overdraft charges National Westminster Bank Public Limited Company (“NatWest”) applied to his account. Mr D is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr D’s ... (6 pages)View decision -
Decision Reference DRN-5213549
13 Apr 2025 Ageas Insurance Limited Not upheldInsuranceDRN-5213549 The complaint Miss R complains about Ageas Insurance Limited (“Ageas”) and its handling of her claim for damage to her tenanted property following the collapse of a retaining wall. Any reference to Ageas in this decision includes its appointed agents and representatives. Wha... (4 pages)View decision -
Decision Reference DRN-5425385
13 Apr 2025 Solium Capital UK Limited UpheldInvestmentsDRN-5425385 The complaint Mr B complains that Solium Capital UK Limited, trading as Shareworks by Morgan Stanley, made a number of errors when handling the sale of some of his shares and their subsequent transfer to his new provider. Mr B would now like Morgan Stanley to recompense him ... (4 pages)View decision -
Decision Reference DRN-5290249
12 Apr 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5290249 The complaint Mr P has complained that HSBC UK Bank Plc (trading as “first direct”) failed to protect him from falling victim to an investment scam and hasn’t refunded the money he lost. What happened The background of this complaint is already known to both parties, so I ... (4 pages)View decision -
Decision Reference DRN-5381721
12 Apr 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5381721 The complaint Mr M has complained that HSBC UK Bank Plc (“HSBC”) failed to protect him from falling victim to an investment scam and hasn’t refunded all of the money he lost. What happened The background of this complaint is already known to both parties, so I won’t repeat ... (7 pages)View decision -
Decision Reference DRN-5204195
11 Apr 2025 Liverpool Victoria Insurance Company Limited UpheldInsuranceDRN-5204195 The complaint Miss C and Miss Q complain that Liverpool Victoria Insurance Company Limited (“LV”) mishandled their claim for subsidence and hasn’t reimbursed them for costs they incurred. Any reference to LV in this decision includes its appointed agents and representatives.... (3 pages)View decision
