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-4859892
9 Jul 2024 Skipton Building Society UpheldMortgagesDRN-4859892 The complaint Mr R’s complaint is that, without his knowledge or consent, Skipton Building Society removed its legal charge from his property title. As a result, this has triggered his Help to Buy (HTB) lender requesting repayment of its second charge shared equity loan. To set... (6 pages)View decision -
Decision Reference DRN-4833225
9 Jul 2024 Liverpool Victoria Financial Services Limited UpheldPensions and AnnuitiesDRN-4833225 The complaint Mr S has complained about a transfer of his Liverpool Victoria Financial Services Limited’s (LV) personal pension to an occupational pension scheme, called the Merseyside Care Retirement Benefits Scheme (‘the Scheme’) in April 2013. The Scheme’s funds were subsequ... (12 pages)View decision -
Decision Reference DRN-4863519
9 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4863519 The complaint Mr S complains that Vanquis Bank Limited irresponsibly lent to him. Mr S is represented by a solicitor’s firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr S himself. What happened... (4 pages)View decision -
Decision Reference DRN-4875853
9 Jul 2024 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4875853 The complaint Mr S is complaining about Brent Shrine Credit Union Limited trading as My Community Bank because he says it lent irresponsibly in providing a loan he couldn’t afford. What happened In July 2021, Mr S took out a loan with My Community Bank (MCB) for £21,000, which ... (5 pages)View decision -
Decision Reference DRN-4765629
9 Jul 2024 Pepper (UK) Limited Not upheldMortgagesDRN-4765629 The complaint Mr and Mrs W complain that Pepper (UK) Limited trading as Engage Credit is moving the basis of interest on their mortgage from LIBOR to Term SONIA without their consent. What happened Mr and Mrs W took out their mortgage in 2007 with another lender – it’s since be... (3 pages)View decision -
Decision Reference DRN-4862756
9 Jul 2024 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4862756 The complaint Mr C complains The Royal Bank of Scotland plc (RBS) provided poor customer service when he attempted to open a fixed rate ISA online on two separate occasions. What happened Mr C says he applied online on two separate occasions in August 2023 and October 2023, to ... (2 pages)View decision -
Decision Reference DRN-4718735
9 Jul 2024 Landmark Mortgages Limited Not upheldMortgagesDRN-4718735 The complaint Mr D complains about the lack of options he considers Landmark Mortgages Limited has made available to him now that his interest-only mortgage has passed the end of its term and he hasn’t been able to repay the outstanding balance. He wants Landmark to extend the ... (4 pages)View decision -
Decision Reference DRN-4892247
9 Jul 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4892247 The complaint Mrs C is unhappy that Barclays Bank UK PLC failed to transfer her cash ISA from another provider. What happened Mrs C applied to open an ISA with Barclays on 11 January 2023. An account (which I’ll call “Account A”) was set up to pay interest at the end of the one... (2 pages)View decision -
Decision Reference DRN-4528795
9 Jul 2024 Liverpool Victoria Insurance Company Limited Not upheldInsuranceDRN-4528795 The complaint Miss H has complained about the standard of work carried out by a plumber appointed by Liverpool Victoria Insurance Company Limited’s (LV) contractor as part of it dealing with a claim under her home insurance policy. For the sake of ease I’ll refer to the plumber... (2 pages)View decision -
Decision Reference DRN-4649423
9 Jul 2024 Billing Finance Limited Not upheldConsumer CreditDRN-4649423 The complaint Mrs B complains Billing Finance Limited has passed incorrect information to credit reference agencies about her payment history. What happened Mrs B acquired a car in December 2022, via a Hire Purchase Agreement with Billing Finance. Mrs B missed two of her contra... (2 pages)View decision
