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 375868 results
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Decision Reference DRN9619271
18 Jan 2016 Santander UK Plc Not upheldInvestment and pensionsMr E has complained about an investment that Santander UK Plc advised him to take out in 2010. Mr E understood that the investment would make use of his annual Individual Savings Account (ISA) allowance, to avoid potential capital gains tax.backgroundMr E was advised to ... (2 pages)View decision -
Decision Reference DRN7222658
18 Jan 2016 Santander UK Plc Not upheldBanking and creditMrs R complained because there were two months when Santander UK Plc didn’t pay her the interest she thought was due. backgroundMrs R had two accounts with Santander where she was paid interest for every month that she met the terms and conditions, which including h... (2 pages)View decision -
Decision Reference DRN9059048
18 Jan 2016 Royal & Sun Alliance Insurance Plc UpheldInsurance (excluding PPI)Ms B complains that Royal & Sun Alliance Insurance Plc (RSA) won’t meet her claim for items stolen from her car whilst she was abroad.backgroundBoth parties know what happened in this complaint so I won’t go into much detail. The essence of the complaint is ... (2 pages)View decision -
Decision Reference DRN3166291
18 Jan 2016 Advantis Credit Limited Not upheldBanking and creditMs T complains that Advantis Credit Limited didn’t do enough to verify that she was its customer before it asked her to repay a debt she doesn’t owe.backgroundMs T explains that an incorrect link has been created by a third party on her credit file. Advantis relied... (2 pages)View decision -
Decision Reference DRN2791921
18 Jan 2016 Secure Trust Bank Plc UpheldBanking and creditMr D complains about the quality of a car he acquired under a hire purchase agreement with Secure Trust Bank Plc trading as Moneyway.backgroundMr D acquired a car funded by a hire purchase agreement with Moneyway in April 2015. Mr D says that he complained straighta... (3 pages)View decision -
Decision Reference DRN2720218
18 Jan 2016 Clydesdale Financial Services Limited Not upheldBanking and creditMr M complains about the quality of a car he obtained which was financed by a conditional sale agreement with Clydesdale Financial Services Limited trading as Barclays Partner Finance (BPF).backgroundMr M acquired a used car in April 2014 which was financed by a conditio... (2 pages)View decision -
Decision Reference DRN3950498
18 Jan 2016 The Car Finance Company (2007) Ltd Not upheldBanking and creditMr P complains that a car he acquired under a hire purchase agreement with The Car Finance Company (2007) Ltd is faulty. backgroundMr P acquired a car from Car Finance in January 2015 which was financed by a hire purchase agreement. It had a mileage of 90,368 and w... (2 pages)View decision -
Decision Reference DRN9263447
18 Jan 2016 Bank of Scotland Plc Not upheldBanking and creditMrs N complains that Bank of Scotland plc (trading as Halifax) allowed payments to be made from her account after she asked it to stop them, and is now holding her responsible for the debt.backgroundMrs N arranged for a company (“the company”) to provide her with a ... (3 pages)View decision -
Decision Reference DRN9529002
18 Jan 2016 Shop Direct Finance Company Limited UpheldBanking and creditMr N complains that Shop Direct Finance Company Limited, trading as Very, did not credit his account when he was provided with a faulty guitar. It also recorded adverse information on his credit file when he stopped making payments to his account. backgroundMr N ordered... (2 pages)View decision -
Decision Reference DRN0848717
18 Jan 2016 SVS Securities Plc Not upheldInvestment and pensionsMr K complains about SVS Securities Plc’s decision to cancel trades on which he had made a profit.backgroundIn June 2015 SVS wrote to Mr K to tell him it had closed his account and cancelled the trades he had recently made. It said it had done this as it had identi... (2 pages)View decision
