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 367928 results
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Decision Reference DRN-4981415
6 Nov 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4981415 The complaint Miss H complains about a car she acquired with credit provided by Moneybarn No. 1 Limited. What happened In April 2023 Miss H entered into a regulated conditional sale agreement with Moneybarn to finance her purchase of a used car. The car was three years old, ... (2 pages)View decision -
Decision Reference DRN-4961433
6 Nov 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4961433 The complaint Mr H has complained that Bank of Scotland plc (“Halifax”) mis-sold him fee-paying Ultimate Reward Current Accounts (“URCA”) in October 2010, March 2015 and August 2016. Mr H has given a number of reasons why he says they were mis-sold, including that he was tol... (3 pages)View decision -
Decision Reference DRN-4710595
6 Nov 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4710595 The complaint Mr H complains that Lloyds Bank PLC (Lloyds) blocked his sole trader account after a third party raised a false fraud claim against him. What happened In May 2023, Mr H complained to Lloyds after his account was blocked without warning. Lloyds looked into his c... (2 pages)View decision -
Decision Reference DRN-4953667
6 Nov 2024 Yorkshire Building Society Not upheldMortgagesDRN-4953667 The complaint Ms P complains about the overcharging of interest on her mortgage she holds with Yorkshire Building Society trading as Chelsea Building Society. Ms P has complained that Chelsea has: Charged higher rates of interest than was agreed when she took the mortgage ... (3 pages)View decision -
Decision Reference DRN-5100750
6 Nov 2024 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-5100750 The complaint Mr R’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit... (17 pages)View decision -
Decision Reference DRN-4810954
6 Nov 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4810954 The complaint Ms C has complained that HSBC UK Bank Plc (trading as First Direct) won’t refund a withdrawal where she says the cash was retracted. What happened In February 2024, Ms C withdrew £100 in cash from her First Direct account using another bank’s ATM. She’s explain... (2 pages)View decision -
Decision Reference DRN-4897382
6 Nov 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4897382 The complaint A company which I’ll call ‘S’ complains that HSBC UK Bank Plc behaved unreasonably when it returned a payment made to the company’s account without warning. The complaint is brought on S’s behalf by its director, Mr S. What happened S holds a business current... (3 pages)View decision -
Decision Reference DRN-4869851
6 Nov 2024 AXA Insurance UK Plc Not upheldInsuranceDRN-4869851 The complaint Mr M is unhappy with the way AXA Insurance UK Plc handled an escape of water claim under a buildings insurance policy. Mr M is being represented in this case. For ease of reading, I’ll refer to Mr M, and his representative, as “Mr M”. What happened Mr M held bu... (3 pages)View decision -
Decision Reference DRN-5128900
6 Nov 2024 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5128900 The complaint Mr D’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit... (10 pages)View decision -
Decision Reference DRN-5087852
6 Nov 2024 Watford Insurance Company Europe Limited UpheldInsuranceDRN-5087852 The complaint Mr E complains about delays in Watford Insurance Company Europe Limited’s (Watford) handling of a claim following the total loss of his car, and the settlement offer it made, under his motor insurance policy. What happened Mr E says he was involved a carjackin... (5 pages)View decision
