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 374385 results
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Decision Reference DRN-5333709
25 Feb 2025 Bank of Scotland Plc Not upheldMortgagesDRN-5333709 The complaint Mr O’s complaint arises out of his mortgage account with Bank of Scotland plc trading as Halifax. In a decision dated 19 February 2025 I explained that I will only be considering the following matters: - that Mr O was told (incorrectly) in 2019 that a sub-acc... (4 pages)View decision -
Decision Reference DRN-5298713
25 Feb 2025 Yorkshire Building Society Not upheldBanking and PaymentsDRN-5298713 The complaint Mr P complains that Yorkshire Building Society (YBS) is fraudulently advertising its Fixed Rate Individual Savings Accounts (ISA) by highlighting an Annual Equivalent Rate (AER), whilst admitting that it only pays simple interest over a period greater than one ... (3 pages)View decision -
Decision Reference DRN-5335232
25 Feb 2025 MBNA Limited UpheldBanking and PaymentsDRN-5335232 The complaint Mr G complains that MBNA Limited provided him with a credit card account he couldn’t afford. Mr G says MBNA also increased his credit limit twice and he was unable to afford these. What happened I issued a provisional decision on this complaint in January 2025... (3 pages)View decision -
Decision Reference DRN-5313615
25 Feb 2025 Topaz Finance Limited Not upheldMortgagesDRN-5313615 The complaint Mr M complains about the way Topaz Finance Limited trading as Hyalite Mortgages has reported his buy-to-let mortgage to credit reference agencies. What happened In December 2023 Mr M called Topaz to tell it he was selling his buy-to-let property and had given ... (3 pages)View decision -
Decision Reference DRN-4844573
25 Feb 2025 Advantage Finance Ltd UpheldConsumer CreditDRN-4844573 The complaint Mr N complains about a car supplied to him using a hire purchase agreement taken out with Advantage Finance Ltd (“Advantage”). What happened In June 2023, Mr N acquired a used car using a hire purchase agreement with Advantage. The car was around six years old... (5 pages)View decision -
Decision Reference DRN-4869133
25 Feb 2025 Lendable Ltd Not upheldConsumer CreditDRN-4869133 The complaint Miss K complains about the quality of a used car she acquired through a hire purchase agreement with Lendable Ltd (‘Lendable’). Miss K says that the car was of poor quality, and it had problems as soon as she took ownership of it. She would like compensation fo... (3 pages)View decision -
Decision Reference DRN-5352383
25 Feb 2025 Scottish Widows Limited UpheldPensions and AnnuitiesDRN-5352383 The complaint Mr M has complained about a transfer of his Scottish Widows Limited personal pension to an occupational pension scheme in July 2014. Mr M subsequently used some of the funds from his occupational scheme to pay HMRC demands and some other costs. At that time tho... (11 pages)View decision -
Decision Reference DRN-5302464
25 Feb 2025 Starling Bank Limited UpheldBanking and PaymentsDRN-5302464 The complaint Mr H, who is represented by Miss M, complains that Starling Bank Limited failed to properly pursue his chargeback request. What happened Mr H bought a VIP ticket for a concert from the merchant at a cost of £1,993.95. When he got to the venue he was refused ent... (2 pages)View decision -
Decision Reference DRN-5353632
25 Feb 2025 Blue Motor Finance Ltd UpheldConsumer CreditDRN-5353632 The complaint Miss I complains about the satisfactory quality of a car supplied to her using a hire purchase agreement with Blue Motor Finance Ltd (“BMFL”). What happened In October 2023, Miss I acquired a used car using a hire purchase agreement with BMFL. The sales invoic... (8 pages)View decision -
Decision Reference DRN-5262863
25 Feb 2025 PayPal UK Ltd Not upheldBanking and PaymentsDRN-5262863 The complaint Mr Y complains PayPal UK Ltd didn’t refund him for items he didn’t receive then permanently limited his account. What happened Mr Y ordered some items from a retailer and received an empty box. Mr Y raised a buyer protection claim with PayPal, but it refused ... (3 pages)View decision
