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 360982 results
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Decision Reference DRN-4444799
22 Feb 2024 PREPAID FINANCIAL SERVICES LIMITED UpheldBanking and PaymentsDRN-4444799 The complaint Mr A complains that Prepaid Financial Services Limited (PFS), acting through an agent, withheld his funds after it closed his electronic money account. What happened Mr A had an account with one of PFS’s agents. To keep things simple, I’ll refer to PFS in this dec... (2 pages)View decision -
Decision Reference DRN-4638114
22 Feb 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-4638114 The complaint Mr L complains that London & Colonial Services Limited (‘L&C’) put his pension fund into an investment that now has no value. He says L&C should compensate him for his loss. Both parties are being represented in the complaint. For ease of reference, I ... (49 pages)View decision -
Decision Reference DRN-4634299
22 Feb 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4634299 Complaint Mr I is unhappy that HSBC UK Bank Plc didn’t reimburse him after he fell victim to an investment scam. Background In 2021, Mr I came across an advert online that promoted an opportunity to invest in cryptocurrency. He completed an online form which led to him being co... (3 pages)View decision -
Decision Reference DRN-4620748
22 Feb 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-4620748 The complaint Mr R complains that Nationwide Building Society provided mis-leading information about the amount that could be invested in a Flex Regular Savings account. What happened The circumstances of this complaint are well known to both parties, so I won’t repeat everythi... (2 pages)View decision -
Decision Reference DRN-4538464
22 Feb 2024 Tesco Underwriting Limited Not upheldInsuranceDRN-4538464 The complaint Mr and Mrs P complain that Tesco Underwriting Limited (Tesco) unfairly declined their home insurance claim. Any reference to Tesco in this final decision includes its respective agents unless specified otherwise. What happened The background of this complaint is k... (3 pages)View decision -
Decision Reference DRN-4604057
22 Feb 2024 Pepper (UK) Limited UpheldMortgagesDRN-4604057 The complaint Mr H complains Pepper (UK) Limited trading as Engage Credit stopped him getting a lifetime mortgage with another lender which would have paid his mortgage off. He also complains about the interest he’s been charged. What happened Mr H has an interest only mortgage... (4 pages)View decision -
Decision Reference DRN-4386194
22 Feb 2024 Bank of Scotland Plc Not upheldMortgagesDRN-4386194 The complaint Mr and Mrs P complain that delays caused by Bank of Scotland plc (trading as Halifax) led to them having to pay a higher interest rate on their mortgage. What happened Mr and Mrs P took out a mortgage with Halifax in 2018. In December 2020 Mr and Mrs P took out a ... (3 pages)View decision -
Decision Reference DRN-4600374
22 Feb 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4600374 The complaint Mr P has complained to us about the way National Westminster Bank Plc (NatWest) dealt with his current account in relation to a default it applied and also overdraft charges. What happened Mr P is unhappy that NatWest didn’t apply a default to his account until 20... (2 pages)View decision -
Decision Reference DRN-4207391
22 Feb 2024 Target Servicing Limited UpheldMortgagesDRN-4207391 The complaint Ms D and Mr M complain about the way Target Servicing Limited handled their request to redeem their Help to Buy loan. What happened Ms D and Mr M took out a Help to Buy loan in 2016 when they purchased their property. Target were appointed to administer the loan o... (11 pages)View decision -
Decision Reference DRN-4516187
22 Feb 2024 Tandem Personal Loans Ltd Not upheldConsumer CreditDRN-4516187 The complaint Mr S complains that a timeshare product was misrepresented to him and his wife. The purchase was financed with credit provided to Mr S by Honeycomb Finance Ltd. The loan and this complaint are now the responsibility of Tandem Personal Loans Ltd, but for simplicity... (5 pages)View decision
