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 366874 results
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Decision Reference DRN-5042147
2 Oct 2024 National Westminster Bank Plc Not upheldConsumer CreditDRN-5042147 Complaint Mr F has complained about a personal loan National Westminster Bank Plc (“NatWest”) provided to him. He says that he was granted an unaffordable loan. Background NatWest provided Mr F with a loan for £9,000.00 in May 2023. This loan had a term of 63 months with Mr... (3 pages)View decision -
Decision Reference DRN-5043582
2 Oct 2024 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5043582 Complaint Ms T complains that Clydesdale Financial Services Limited (trading as Barclays Partner Finance (“Barclays PF”)) unfairly entered into a conditional-sale agreement with her. She’s said the agreement was unaffordable for her. Ms T is being represented by a Claims Ma... (4 pages)View decision -
Decision Reference DRN-4989600
1 Oct 2024 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-4989600 The complaint Miss G complains that The Co-operative Bank Plc (“CB”) reported adverse information on her credit file and sold her account to a debt collection company. What happened Miss G opened a current account with CB in 2012. In 2014 Miss G moved abroad and the account ... (3 pages)View decision -
Decision Reference DRN-4996466
1 Oct 2024 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-4996466 The complaint Mr G complains that he is out of pocket as a result of his card being blocked by The Co- operative Bank Plc. What happened Mr G holds an account with The Co-operative Bank. When he was out shopping one day his card was declined several times although he’d used... (3 pages)View decision -
Decision Reference DRN-5036561
1 Oct 2024 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5036561 The complaint Mrs C complains that Shawbrook Bank Limited has terminated her loan agreement and recorded a default on her credit file. What happened Mrs C agreed a loan of £7,000 from Shawbrook Bank in April 2022. There were issues with the monthly repayment of £162.45 and M... (4 pages)View decision -
Decision Reference DRN-5036246
1 Oct 2024 Aviva Insurance Limited Not upheldInsuranceDRN-5036246 The complaint Mr K complains that Aviva Insurance Limited (“Aviva”) offered a disturbance allowance but then it declined his claim and didn’t pay anything. All references to Aviva include the actions of the agents acting on its behalf. What happened The background to this co... (5 pages)View decision -
Decision Reference DRN-4982432
1 Oct 2024 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4982432 The complaint Miss D is complaining about Clydesdale Bank Plc trading as Virgin Money because she thinks it should have registered a default when she entered a debt management plan (DMP). The default wasn’t actually registered until much later, meaning she has to wait longer... (2 pages)View decision -
Decision Reference DRN-5053054
1 Oct 2024 Novia Financial Plc UpheldPensions and AnnuitiesDRN-5053054 The complaint Mr H complains that Novia Financial Plc (’Novia’) failed in its duty by not completing due diligence on the investments held in his Self-Invested Personal Pension (‘SIPP’). He says this has resulted in him suffering a financial loss. Mr H is being represented ... (35 pages)View decision -
Decision Reference DRN-5052338
1 Oct 2024 Lloyds Bank PLC UpheldConsumer CreditDRN-5052338 The complaint Miss M says Lloyds Bank PLC irresponsibly lent to her. Her complaint has been brought through a representative but for ease I will refer solely to Miss M in this decision. What happened Miss M took out a loan for £1,000 in August 2023. She says the lending was ... (3 pages)View decision -
Decision Reference DRN-4812348
1 Oct 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4812348 The complaint Mrs M complains Barclays Bank UK PLC treated her unfairly when it didn’t send her funds, in a timely manner. She believes its actions have resulted in a financial loss and caused significant distress and inconvenience. What happened A summary of what happened i... (3 pages)View decision
