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 365917 results
-
Decision Reference DRN-4864464
25 Sep 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4864464 The complaint Mrs R complains Bank of Scotland plc, trading as Birmingham Midshires (“BM”), hasn’t shown that her passbook account was closed and any funds in it were returned to her. She has no recollection of withdrawing any funds or closing it. Mrs R is professionally rep... (3 pages)View decision -
Decision Reference DRN-5040119
25 Sep 2024 St. James's Place Wealth Management Plc UpheldInvestmentsDRN-5040119 The complaint Mrs H complains that St. James’s Place Wealth Management Plc trading as St. James's Place (“SJP”) has charged her ongoing advice charges (“OACs”) despite not receiving annual reviews. Mrs H is being represented by a claims management company, however, for... (5 pages)View decision -
Decision Reference DRN-4857206
25 Sep 2024 Starling Bank Limited UpheldBanking and PaymentsDRN-4857206 The complaint Mr C complains that Starling Bank Limited declined his application to open a new personal bank account. What happened Earlier this year, Mr C made some applications to open a business bank account with Starling Bank. Mr C also made an application to open a new... (2 pages)View decision -
Decision Reference DRN-4813289
25 Sep 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4813289 The complaint Mr W complains that Lloyds Bank Plc didn’t do enough to protect him from the financial harm caused by an investment scam, or to help him recover the money once he’d reported the scam to it. What happened The detailed background to this complaint is well known ... (4 pages)View decision -
Decision Reference DRN-4994963
25 Sep 2024 Revolut Ltd Not upheldBanking and PaymentsDRN-4994963 The complaint Ms D complains about the actions of Revolut Ltd when she was tricked into making payments on her debit card as a result of a scam. Ms D is being represented by a claims management company but for ease of reading I’ll only refer to Ms D. What happened In Augus... (4 pages)View decision -
Decision Reference DRN-4997722
25 Sep 2024 Loans 2 Go Limited Not upheldConsumer CreditDRN-4997722 The complaint Ms M has complained through a representative that Loans 2 Go Limited (“L2G”) didn’t conduct sufficient affordability checks before it lent to her. What happened Ms M was advanced one loan of £1,850 on 20 May 2020 and she was contracted to make 24 monthly payme... (3 pages)View decision -
Decision Reference DRN-5028285
25 Sep 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5028285 The complaint Mrs S complains HSBC UK Bank plc (HSBC) made mistakes delivering her replacement credit card, which caused her extreme inconvenience and financial loss. What happened Mrs S’s legal representative Miss F, says in late March 2024, Mrs S requested a replacement cr... (3 pages)View decision -
Decision Reference DRN-4853358
25 Sep 2024 Liverpool Victoria Financial Services Limited Not upheldInsuranceDRN-4853358 The complaint Mrs G complains that Liverpool Victoria Financial Services Limited (‘LV’) declined a claim she made on a life insurance policy. What happened Mrs G held a joint life insurance policy with her husband, Mr G. In 2023 Mr G sadly died and so Mrs G claimed on the po... (3 pages)View decision -
Decision Reference DRN-5033124
25 Sep 2024 American Express Services Europe Limited (AESEL) Not upheldBanking and PaymentsDRN-5033124 The complaint Miss A complains that American Express Services Europe Limited (AESEL) reported her account as overdue and of the negative impact of this on her credit file. She would like her debt cancelled. What happened The details of this complaint are well known to both... (2 pages)View decision -
Decision Reference DRN-5040063
25 Sep 2024 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-5040063 The complaint Miss C has raised several complaints about her previous credit card account with Sainsbury's Bank Plc including that it didn’t process her balance transfer properly; it failed to close her account when requested to do so; and its agent was rude to her duri... (4 pages)View decision
