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 360982 results
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Decision Reference DRN-5061768
27 Feb 2025 Healthcare Finance Limited Not upheldConsumer CreditDRN-5061768 The complaint Mr M complains that Healthcare Finance Limited failed to provide a full refund in response to a claim he made to it about the failure of a supplier to deliver the dental treatment which he paid for with credit it provided. What happened In September 2023 Mr M e... (2 pages)View decision -
Decision Reference DRN-5359643
27 Feb 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5359643 The complaint U, a limited company, complains that Revolut Ltd won’t refund them for transactions that they say they didn’t agree to. They’d like the funds returned, along with interest. For this case U have appointed representatives, but for ease of reading in this decisio... (5 pages)View decision -
Decision Reference DRN-5209910
27 Feb 2025 TSB Bank plc Not upheldBanking and PaymentsDRN-5209910 The complaint Mr R complains about how TSB Bank plc (“TSB”) handled a claim he made in relation to transactions on his credit card. Mr R has been represented throughout his complaint. For clarity, I’ve only referred to Mr R throughout this decision. What happened Mr R purcha... (3 pages)View decision -
Decision Reference DRN-4949241
27 Feb 2025 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4949241 The complaint Mr S is unhappy that a car supplied to him under a hire purchase agreement with Specialist Motor Finance Limited (‘SMF’) was of an unsatisfactory quality. What happened In November 2023, Mr S was supplied with a used car through a hire purchase agreement with ... (5 pages)View decision -
Decision Reference DRN-5043741
27 Feb 2025 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-5043741 The complaint Mr K complains that BMW Financial Services(GB) (t/a ALPHERA Financial Services) (“BMW”) didn’t correctly manage his payments and this adversely affected the settlement of the account. What happened Mr K entered into a hire purchase agreement in April 2019 for a... (3 pages)View decision -
Decision Reference DRN-5162189
27 Feb 2025 TSB Bank plc UpheldBanking and PaymentsDRN-5162189 The complaint Mrs H is a sole trader and was previously a partner in a partnership that I’ll call H. She complains that TSB Bank plc treated H’s business accounts and bounce back loan (“BBL”) unfairly when her husband and business partner passed away. What happened The partn... (3 pages)View decision -
Decision Reference DRN-5162195
27 Feb 2025 TSB Bank plc UpheldBanking and PaymentsDRN-5162195 The complaint Mrs H is a sole trader and was previously a partner in a partnership that I’ll call B. She complains that TSB Bank plc treated B’s business account unfairly when her husband and business partner passed away. What happened The partners were longstanding business... (3 pages)View decision -
Decision Reference DRN-5051514
27 Feb 2025 Bank of Scotland Plc Not upheldMortgagesDRN-5051514 The complaint Mr and Mrs A complain that Bank of Scotland plc (trading as Halifax) has reported their mortgage account as being in arrears to credit reference agencies. What happened Mr and Mrs A switched their Halifax interest only mortgage to a fixed rate of 2.09% in 2018... (3 pages)View decision -
Decision Reference DRN-5357752
27 Feb 2025 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-5357752 The complaint Mr H complains that Options UK Personal Pensions LLP (formerly Carey Pensions) (‘Options’) shouldn’t have accepted a transfer of his occupational pension scheme into a self-invested personal pension (‘SIPP’). What happened In mid-2012, Mr H says he was approach... (42 pages)View decision -
Decision Reference DRN-5309822
27 Feb 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5309822 The complaint Mr N complains HSBC UK Bank Plc unfairly blocked his account. What happened Mr N held a personal account with HSBC which was opened in May 2024. Mr N also held a separate business account with HSBC under a limited company. This complaint will solely focus on H... (3 pages)View decision
