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 363925 results
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Decision Reference DRN-4660579
4 Jun 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4660579 The complaint Mr M complains that Santander UK Plc (“Santander”) have failed to refund the money he lost as part of an investment scam. Mr M has a representative but for ease of reading I will mainly just refer to Mr M. What happened The details of this complaint are well known... (3 pages)View decision -
Decision Reference DRN-4833603
4 Jun 2024 Scottish Widows Limited UpheldPensions and AnnuitiesDRN-4833603 The complaint This complaint is about a transfer of a personal pension policy Mr M held with Scottish Widows Limited (“SWL”). In June 2014, he transferred this to a small self-administered scheme (“SSAS”). Mr M’s SSAS was subsequently used to invest in a financial instrument kn... (13 pages)View decision -
Decision Reference DRN-4790560
4 Jun 2024 Advantage Insurance Company Limited Not upheldInsuranceDRN-4790560 The complaint Mr W complains about his insurer, Advantage Insurance Company Limited (Advantage), declining to cover a claim for damage to his vehicle in a collision, having initially indicated it would be covered. The vehicle was being driven by a driver (his partner) not liste... (4 pages)View decision -
Decision Reference DRN-4738026
4 Jun 2024 Santander UK Plc Not upheldMortgagesDRN-4738026 The complaint Mr and Mrs S complain that Santander UK Plc would only allow them to secure a new interest rate product for their mortgage up to five months before their existing rate ended. They say they wanted to secure a new rate six months before their existing rate ended and... (3 pages)View decision -
Decision Reference DRN-4648408
4 Jun 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4648408 The complaint X complains that when they changed their name, Bank of Scotland PLC trading as Halifax capitalised the first letter of their surname when it should have a lowercase first letter. What happened In November 2023, X changed their name by deed poll. They registered th... (2 pages)View decision -
Decision Reference DRN-4195287
4 Jun 2024 Trading 212 UK Limited Not upheldInvestmentsDRN-4195287 The complaint Mr G complains that Trading 212 UK Limited (‘Trading 212’) failed to roll over his futures contract and so caused him a financial loss. He wants Trading 212 to reimburse him for the loss. What happened Mr G had a trading account provided by Trading 212. In the acc... (4 pages)View decision -
Decision Reference DRN-4833073
4 Jun 2024 Options UK Personal Pensions LLP UpheldPensions and AnnuitiesDRN-4833073 The complaint Mr C complains Options UK Personal Pensions LLP (‘Options’ - formerly Carey Pensions UK LLP) failed to fulfil its obligations in relation to its acceptance of his application for a Self- Invested Personal Pension (‘SIPP’) and subsequent investment in an overseas p... (27 pages)View decision -
Decision Reference DRN-4369054
4 Jun 2024 Bank of Scotland Plc Not upheldMortgagesDRN-4369054 The complaint Ms O has complained about charges added to her mortgage account that she holds with Bank of Scotland plc trading as Birmingham Midshires. She says she told Birmingham Midshires to make a payment to the freeholder in respect of the ground rent and service charges r... (5 pages)View decision -
Decision Reference DRN-4741638
4 Jun 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-4741638 The complaint Mr M is unhappy that Nationwide Building Society will not write-off his debt, nor amend his credit file, despite his vulnerabilities. What happened Mr M took out a credit card from Nationwide on 16 March 2018. He was given a credit limit of £1,600. In May 2018 Mr ... (3 pages)View decision -
Decision Reference DRN-4455492
4 Jun 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4455492 The complaint Mrs P complains about how Santander UK Plc handled a dispute she raised with it. What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my informal remit. Mrs P paid a supplier a de... (5 pages)View decision
