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 370904 results
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Decision Reference DRN-4843978
7 Aug 2024 more 2 life Ltd Not upheldMortgagesDRN-4843978 The complaint Ms D and Mr L complain that more 2 life Ltd delayed their mortgage application meaning they were unable to complete before their offer expired. What happened Ms D and Mr L applied via a broker to more 2 life for a Lifetime mortgage in the summer of 2022. They w... (5 pages)View decision -
Decision Reference DRN-4916240
7 Aug 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4916240 The complaint Mr R is unhappy with several aspects of the service that he’s receiving from HSBC UK Bank Plc surrounding the service he receives from HSBC’s staff when he calls HSBC to authorise payments with them. What happened In October 2023, Mr R raised a complaint with H... (4 pages)View decision -
Decision Reference DRN-4902240
7 Aug 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4902240 The complaint Mrs D complains that Barclays Bank UK PLC trading as Barclaycard didn’t give her 100,000 Avios points as part of a promotional offer. What happened Mrs D applied for a Barclaycard in order to take advantage of a promotion of 100,000 Avios points. The promotion ... (3 pages)View decision -
Decision Reference DRN-4766017
7 Aug 2024 Currys Group Limited Not upheldConsumer CreditDRN-4766017 The complaint X complains that Currys Group Limited mis-sold him a finance agreement which contained a buy-now-pay-later period. What happened X bought an item using a finance agreement, arranged via Currys, in 2022. The agreement contained a 12-month interest free buy-now-... (3 pages)View decision -
Decision Reference DRN-4953697
7 Aug 2024 Black Horse Limited Not upheldConsumer CreditDRN-4953697 The complaint Mr B complains about the quality of a car he acquired under a Hire Purchase Agreement with Black Horse Limited (Black Horse). When I refer to what Mr B and Black Horse said or did, it should also be taken to include things said or done on their behalf. What h... (5 pages)View decision -
Decision Reference DRN-4852132
7 Aug 2024 EGB Financial Ltd Not upheldPensions and AnnuitiesDRN-4852132 The complaint Mr B complains that some advice he received from an appointed representative of EGB Financial Ltd (“EGB”) was inappropriate. What happened Mr B has been assisted in making this complaint by a firm of solicitors. But in this decision, for ease, I will generally ... (3 pages)View decision -
Decision Reference DRN-4404032
7 Aug 2024 Barclays Bank UK PLC UpheldMortgagesDRN-4404032 The complaint Mrs G complains about her buy-to-let (BTL) mortgage with Barclays Bank UK Plc. She says that between June and October 2022 she made many attempts to speak to Barclays on the telephone to arrange a new interest rate product, but she couldn’t get through to someo... (8 pages)View decision -
Decision Reference DRN-4949255
7 Aug 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4949255 The complaint Mrs M complains that Barclays Bank UK PLC (‘Barclays’) should pay her more compensation than it has offered, after admitting poor service in connection with an online banking issue. What happened Mrs M makes regular payments to an employee via online banking. ... (3 pages)View decision -
Decision Reference DRN-4835986
7 Aug 2024 Lex Autolease Ltd Not upheldConsumer CreditDRN-4835986 The complaint Mr F complains that Lex Autolease Ltd (“Lex”) unfairly reported a default to his credit file. What happened Mr F acquired a car under a 36 month hire agreement with Lex in July 2020. Under the agreement, Mr F was required to make an advance rental payment of £9... (3 pages)View decision -
Decision Reference DRN-4827143
7 Aug 2024 Bank of Scotland Plc Not upheldMortgagesDRN-4827143 The complaint Mr S complains that Bank of Scotland plc (trading as Birmingham Midshires) undervalued his property, meaning he missed out on a lower interest rate product for his buy to let mortgage. Mr S asks that Birmingham Midshires values the property correctly or allows ... (3 pages)View decision
