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 363152 results
-
Decision Reference DRN-4705160
8 Oct 2024 Telefonica UK Limited UpheldConsumer CreditDRN-4705160 The complaint Mrs C complains that Telefonica UK Limited trading as O2 (“Telefonica”) failed to provide the goods in relation to two fixed sum loans she entered into and treated her unfairly in relation to another. What happened Mrs C entered into three fixed sum loans with... (3 pages)View decision -
Decision Reference DRN-4831389
8 Oct 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4831389 The complaint Mrs R has complained that HSBC UK Bank Plc (“HSBC”) didn’t protect her from falling victim to a scam, and it also hasn’t refunded what she lost. What happened The background of this complaint is already known to both parties, so I won’t repeat all of it here. ... (4 pages)View decision -
Decision Reference DRN-5050337
8 Oct 2024 Nationwide Building Society UpheldConsumer CreditDRN-5050337 The complaint Miss C complains that Nationwide Building Society (“Nationwide”) irresponsibly agreed loans for her. What happened Nationwide agreed a loan of £15,000 for Miss C in late November 2019. The total amount owed was £19,824 to be repaid at £236 a month over 84 mont... (7 pages)View decision -
Decision Reference DRN-5037939
8 Oct 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-5037939 The complaint Miss L complains that Nationwide Building Society unfairly returned a cheque she’d written. What happened Miss L wrote a cheque for £200 to be paid from her account with Nationwide. Nationwide tried to debit the money from Miss L’s account twice: once at 02.28 ... (2 pages)View decision -
Decision Reference DRN-5042795
8 Oct 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5042795 The complaint Mrs M complains that Bank of Scotland plc (trading as Halifax) didn’t protect her from an investment scam. Mrs M is being supported in making her complaint by a representative. But for ease, I’ll only refer to Mrs M in this decision. What happened Mrs M has sai... (4 pages)View decision -
Decision Reference DRN-4793195
8 Oct 2024 HSBC UK Bank Plc Not upheldMortgagesDRN-4793195 The complaint Mr and Mrs G complain that HSBC UK Bank Plc refused their application for a mortgage. They also complain about how it handled their application. What happened Mr and Mrs G had a mortgage with another lender. They applied to re-mortgage to HSBC. They started the... (3 pages)View decision -
Decision Reference DRN-5068047
8 Oct 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-5068047 The complaint Miss A complains about a car supplied to her under a conditional sale agreement by Moneybarn No.1 Limited. What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my informal remi... (5 pages)View decision -
Decision Reference DRN-4919511
8 Oct 2024 Close Brothers Limited Not upheldConsumer CreditDRN-4919511 The complaint Mr R complains that Close Brothers Limited unfairly closed a conditional sale agreement he had entered into. What happened In August 2021 Mr R entered into a five-year conditional sale agreement for a car with Close Brothers. Mr R was to make monthly payments o... (2 pages)View decision -
Decision Reference DRN-5033352
8 Oct 2024 Bank of Scotland Plc UpheldMortgagesDRN-5033352 The complaint Mr M complains that Bank of Scotland plc trading as Birmingham Midshires (BM) failed to collect direct debits properly, leading to his mortgage going into arrears. What happened Mr M had a residential mortgage with BM. He had been in a small amount of arrears d... (9 pages)View decision -
Decision Reference DRN-5066249
8 Oct 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5066249 The complaint Mr D complains about the service he received from Barclays Bank UK PLC (“Barclays”) when he tried to open an account. What happened In April, Mr D applied online for a current account with Barclays. He encountered numerous difficulties, beginning with an error... (3 pages)View decision
