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
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Decision Reference DRN-5460107
19 May 2025 Santander UK Plc UpheldMortgagesDRN-5460107 The complaint Ms M’s complaint is about a mortgage she holds with Santander UK Plc. The essence of the complaint, which flows from an earlier complaint that we looked at in 2024, can be summarised under two broad bullet points. Thes are: that Ms M believes the arrears on... (3 pages)View decision -
Decision Reference DRN-5157945
19 May 2025 abrdn Fund Managers Limited UpheldPensions and AnnuitiesDRN-5157945 The complaint Mr P has complained about delays caused by abrdn Fund Managers Limited (“abrdn”) in releasing the sale proceeds from investments he held with them. These delays meant the annuity which Mr P intended to purchase was delayed, resulting in annuity payments being m... (5 pages)View decision -
Decision Reference DRN-5157970
19 May 2025 Threadneedle Investment Services Limited UpheldPensions and AnnuitiesDRN-5157970 The complaint Mr P has complained about delays caused by Threadneedle Investment Services Limited trading as Columbia Threadneedle (“Threadneedle”) selling investments he held with them. These delays meant the annuity which Mr P intended to purchase was delayed, resulting in... (5 pages)View decision -
Decision Reference DRN-5495353
19 May 2025 Billing Finance Limited Not upheldConsumer CreditDRN-5495353 Complaint Mr W complains that Billing Finance Limited (“Billing Finance”) unfairly entered into a hire- purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable and so it shouldn’t have been provided to him. Background In December... (3 pages)View decision -
Decision Reference DRN-5320802
19 May 2025 Santander Consumer (UK) Plc Not upheldConsumer CreditDRN-5320802 Complaint Miss W complains that Santander Consumer (UK) Plc (“Santander CF”) unfairly entered into a conditional-sale agreement with her. She’s said that the proper checks weren’t carried out which led to her being provided with finance that was unaffordable and this led to ... (5 pages)View decision -
Decision Reference DRN-5555871
19 May 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5555871 Complaint Mr and Mrs A have complained about the overdraft charges National Westminster Bank Public Limited Company (“NatWest”) applied to their current account. Mr and Mrs A are being represented, by the (“representative”), in their complaint. The representative has said ... (5 pages)View decision -
Decision Reference DRN-5537589
19 May 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5537589 Complaint Mr B has complained about the overdraft charges Bank of Scotland plc (trading as “Halifax”) applied to his account. Mr B is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr B’s account were unfa... (5 pages)View decision -
Decision Reference DRN-5473979
19 May 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5473979 Complaint Mr G complains that Moneybarn No.1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable. Background In April 2020, Moneybarn p... (3 pages)View decision -
Decision Reference DRN-5544501
19 May 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5544501 Complaint Mr L has complained about the overdraft charges Nationwide Building Society (“Nationwide”) applied to his account. Mr L is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr L’s account were unfai... (6 pages)View decision -
Decision Reference DRN-5547235
19 May 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5547235 Complaint Mr A has complained about the overdraft charges Lloyds Bank PLC (“Lloyds”) applied to his account. Mr A is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr A’s account were unfair as there was a ... (5 pages)View decision
