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 370149 results
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Decision Reference DRN-4878308
26 Jul 2024 National Westminster Bank Plc UpheldConsumer CreditDRN-4878308 The complaint Miss H has complained National Westminster Bank plc is holding her liable for a personal loan that was taken out fraudulently. What happened In early 2023 Miss H went to a party locally. She met a couple of blokes and was encouraged to help them out when they w... (3 pages)View decision -
Decision Reference DRN-4932135
26 Jul 2024 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4932135 The complaint Miss B is unhappy with the way Bank of Scotland plc trading as Halifax dealt with her claim for recovery of money she paid towards the purchase of a caravan. The purchase was made together with her partner Mr F, who has assisted Miss B in bringing this complain... (6 pages)View decision -
Decision Reference DRN-4786612
26 Jul 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4786612 The complaint Mr U complains that Monzo Bank Ltd unfairly registered a marker about him at Cifas, the national fraud database. What happened Mr U had an account with Monzo, which he opened in May 2023. In late May 2023, a payment of just over £100 was made into Mr U’s acco... (3 pages)View decision -
Decision Reference DRN-4717431
26 Jul 2024 Financial Administration Services Limited UpheldInvestmentsDRN-4717431 The complaint Mr B complains about Financial Administration Services Limited (“Fidelity”) refusing to action his request for partial transfer of cash held in his Individual Savings Account (ISA) to another provider. What happened In 2021 Mr B transferred several cash ISAs in... (8 pages)View decision -
Decision Reference DRN-4543655
26 Jul 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4543655 The complaint Mrs S complains that Monzo Bank Ltd (Monzo) is refusing to refund her the amount she lost as the result of a scam. Mrs S is being represented by a third party. To keep things simple, I will refer to Mrs S throughout my decision. What happened The background of ... (5 pages)View decision -
Decision Reference DRN-4592241
26 Jul 2024 Next Retail Limited Not upheldConsumer CreditDRN-4592241 The complaint Mr S complains about Next Retail Limited reporting an arrangement to pay on his credit file. What happened Mr S has a catalogue shopping account with Next. In 2018, Next increased the credit limit on his account from £150 to £3,750. Not long afterwards, Mr S go... (2 pages)View decision -
Decision Reference DRN-4933387
26 Jul 2024 Nationwide Building Society UpheldBanking and PaymentsDRN-4933387 The complaint Mrs B and Mr B are unhappy with the service they received from Nationwide Building Society surrounding a request they made to Nationwide to recover money they’d sent by mistake to an unintended Nationwide account holder. What happened Mrs B and Mr B wanted to s... (3 pages)View decision -
Decision Reference DRN-4864694
26 Jul 2024 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4864694 The complaint Mr E complains that Capital One (Europe) plc made two hard searches on his credit file even though he’d only made one credit application. What happened In November 2023 Mr E applied for a credit card with Capital One. His application was approved. Mr E received... (2 pages)View decision -
Decision Reference DRN-4903862
26 Jul 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4903862 The complaint Mr D complains Bank of Scotland plc didn’t do enough when he fell victim to an investment scam. What happened Mr D has a current account with Bank of Scotland. Mr D says he was looking for a way to invest his money – so as to earn a second income – when he came... (2 pages)View decision -
Decision Reference DRN-4840890
26 Jul 2024 Santander UK Plc Not upheldMortgagesDRN-4840890 The complaint Mr B complains that his mortgage, which he’d originally taken out with another lender, has been transferred to Santander UK Plc. Mr B says Santander doesn’t have the right to force this on him. Mr B asks that his mortgage with his previous lender is re-instated... (3 pages)View decision
