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 364422 results
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Decision Reference DRN-4710100
8 Apr 2024 Bank of Scotland Plc Not upheldMortgagesDRN-4710100 The complaint Mr and Mrs P complain about what happened when they asked Bank of Scotland trading as Birmingham Midshires (“BM”), for an additional advance on their existing Buy To Let mortgage. They said they should have just been able to draw down the funds, but weren’t. What ... (5 pages)View decision -
Decision Reference DRN-4560149
8 Apr 2024 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-4560149 The complaint M, a limited company, complains about the way that American Express Services Europe Limited (‘AMEX’) dealt with chargeback requests and that related refunds were reversed. What happened M arranged for a third-party merchant to provide software development services... (3 pages)View decision -
Decision Reference DRN-4727242
8 Apr 2024 Nationwide Building Society UpheldBanking and PaymentsDRN-4727242 The complaint Mr A has complained about Nationwide Building Society’s actions when he attempted to purchase the lease of a property overseas using funds held in an account he held with it. What happened I have previously issued a provisional decision regarding this complaint. T... (5 pages)View decision -
Decision Reference DRN-4677209
8 Apr 2024 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4677209 The complaint Mrs F complains Tesco Personal Finance plc trading as Tesco Bank (Tesco) acted irresponsibly when it approved a loan for her. What happened Mrs F says in November 2018, she applied to Tesco for a loan of £15,000 repayable over five years. Mrs F says it was irrespo... (5 pages)View decision -
Decision Reference DRN-4727256
8 Apr 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4727256 The complaint Mr O complains that HSBC UK Bank Plc trading as first direct (‘first direct’) won’t refund the money he lost when he didn’t receive materials he ordered. What happened In August 2022 Mr O paid a company I’ll refer to in this decision as H £13,696.44 for building b... (3 pages)View decision -
Decision Reference DRN-4727229
8 Apr 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4727229 The complaint Mr V complains NewDay Limited has not met its obligations in regard to a transaction he made to have his house painted and associated works. What happened In August 2022 Mr V talked with a company which said it provided house painting ... (5 pages)View decision -
Decision Reference DRN-4727192
8 Apr 2024 J.P. Morgan Europe Limited Not upheldBanking and PaymentsDRN-4727192 The complaint Mr K complains that J.P. Morgan Limited (trading as Chase) (Chase) unfairly blocked and closed his account. He is also unhappy about how long Chase took to complete its review and release his balance. He says this has caused him financial problems, upset and worry... (4 pages)View decision -
Decision Reference DRN-4727187
8 Apr 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4727187 The complaint A company which I’ll call ‘W’ complains that Barclays Bank UK Plc behaved unreasonably when completing its banking checks. The complaint is brought on W’s behalf by one of their directors, Mr Z. What happened W held a business current account with Barclays since 1... (4 pages)View decision -
Decision Reference DRN-4673923
8 Apr 2024 The Royal Bank of Scotland Plc Not upheldConsumer CreditDRN-4673923 Complaint Miss S has complained about a loan The Royal Bank of Scotland Plc (“RBS”) provided to her. She says the loan was unaffordable and so shouldn’t have been provided. Background Miss S has also complained about an overdraft that she has with RBS. But we’re looking at that... (3 pages)View decision -
Decision Reference DRN-4711993
8 Apr 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4711993 Complaint Mr L has complained about the overdraft charges HSBC UK Bank Plc (“HSBC”) applied to his current account. He’s said the charges were applied unfairly as he remained at the upper limit of his overdraft for a prolonged period. Mr L is being represented in his complaint.... (3 pages)View decision
