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 366350 results
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Decision Reference DRN6730151
6 Oct 2015 Moneybarn No. 1 Limited Not upheldBanking and creditMr J complains that the car he obtained through a conditional sale agreement with Moneybarn No. 1 Limited was not of satisfactory quality.backgroundMr J signed a conditional sale agreement for a second hand car. On first driving the car, he noticed the Bluetooth and the spe... (2 pages)View decision -
Decision Reference DRN1829579
6 Oct 2015 The Royal Bank of Scotland Plc UpheldBanking and creditMr C complains that The Royal Bank of Scotland Plc (“RBS”) made a mistake when it told him that money he deposited through a cash machine in branch would be available immediately. backgroundMr C visited a branch of RBS. He deposited money in to his account using the... (2 pages)View decision -
Decision Reference DRN9684388
6 Oct 2015 Bank of Scotland Plc Not upheldBanking and creditMr M complains that Bank of Scotland plc (trading as Halifax) transferred his debt to a third party even though he told it he was a vulnerable customer. He also wants a clear explanation of the amount of his outstanding debt.backgroundMr M says that he told Halifax t... (2 pages)View decision -
Decision Reference DRN3242612
6 Oct 2015 Bank of Scotland Plc UpheldBanking and creditMr G complains that Bank of Scotland plc (trading as Halifax) applied unfair bank charges to his current account. Mr G wants Halifax to refund the charges as he is in financial difficulties.Mr G also complains about the way he was treated when he asked the bank t... (2 pages)View decision -
Decision Reference DRN0544572
6 Oct 2015 Wescot Credit Services Limited Not upheldBanking and creditMr A complains that Wescot Credit Services Limited wrote to him saying his debt had been written off. He was then contacted by another company chasing the outstanding debt. He says he will not pay the outstanding amount as he has been told it has been written off.ba... (2 pages)View decision -
Decision Reference DRN1466496
6 Oct 2015 Capital One (Europe) plc Not upheldBanking and creditMrs D complains that Capital One (Europe) plc: applied excessive amounts of interest to her credit card account charged late payment fees in error didn’t warn her about the impact of making regular minimum monthly repaymentsMrs D would like Capital One to write of... (2 pages)View decision -
Decision Reference DRN1863645
6 Oct 2015 Mercedes-Benz Financial Services UK Limited UpheldBanking and creditMs C complains that when she contacted Mercedes-Benz Financial Services UK Limited (the business) about terminating her hire purchase agreement (HPA) early, she was not told that she could terminate without further payments.backgroundMs C entered into a HPA with the busin... (2 pages)View decision -
Decision Reference DRN4424096
6 Oct 2015 Retail Money Market Ltd Not upheldBanking and creditMr E says it was wrong of Retail Money Market Ltd (trading as RateSetter) to record a ‘soft search’ on his credit file when he asked for a loan quotation.backgroundMr E filled in a form on RateSetter’s website to get a quote for a loan. As a result ‘quotation’ an... (2 pages)View decision -
Decision Reference DRN9589303
6 Oct 2015 National Westminster Bank Plc Not upheldInvestment and pensionsMr and Mrs M are unhappy with National Westminster Bank Plc’s (NatWest) lack of advice and service after their previous regulated adviser left in September 2012. I n s u m mary , t h ey co m pla in t h at: NatW est’s c u rre nt s ta ff a re n ot q ualif ie d t o h elp... (2 pages)View decision -
Decision Reference DRN4051011
6 Oct 2015 Santander UK Plc Not upheldBanking and creditMr C feels that Santander UK Plc has treated him unfairly with regard to how it treated some disputed transactions in 2014.backgroundI issued my provisional decision in September 2015, a copy of which is attached and forms part of this final decision. In my provisi... (3 pages)View decision
