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 362716 results
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Decision Reference DRN-4569546
4 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4569546 The complaint Miss N complains that NewDay Ltd was irresponsible in its lending to her. What happened Miss N was provided with three credit cards by NewDay. An Opus credit card in April 2018 with an initial credit limit of £600 which was then increased on three occasions result... (3 pages)View decision -
Decision Reference DRN-4541527
4 Mar 2024 Liverpool Victoria Insurance Company Limited Not upheldInsuranceDRN-4541527 The complaint Miss R & Mr L complain that Liverpool Victoria Insurance Company (LV) unfairly cancelled their motor insurance policy for providing false information. Mr L (Miss R’s son) is a named driver on Miss R’s policy. I’ll refer to Miss R in my decision for ease. What ... (3 pages)View decision -
Decision Reference DRN-4602713
4 Mar 2024 Northern Bank Limited UpheldBanking and PaymentsDRN-4602713 The complaint Mr L complains that Northern Bank Limited trading as Danske Bank unfairly refused to authorise an international money transfer from his business bank account. What happened Mr L wanted to buy a second-hand agricultural vehicle from a company overseas which I will ... (2 pages)View decision -
Decision Reference DRN-4594441
4 Mar 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4594441 The complaint Miss F complains that Barclays Bank UK PLC closed her account when it went into an unauthorised overdraft as a result of transactions she didn’t authorise. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide... (3 pages)View decision -
Decision Reference DRN-4648976
4 Mar 2024 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4648976 The complaint Mr C complains that he was mis-sold a timeshare product and the loan used to pay for it. The loan was provided by Hitachi Capital (UK) Plc, which is now Mitsubishi HC Capital UK Plc; for simplicity I’ll refer to the lender as “Hitachi”. Mr C has been represented i... (5 pages)View decision -
Decision Reference DRN-4583375
4 Mar 2024 Pepper (UK) Limited Not upheldMortgagesDRN-4583375 The complaint Mr C has complained about the administration of his seven buy-to-let (BTL) mortgage accounts by Pepper (UK) Limited. All the mortgages were taken out with other lenders but are now owned and administered by Pepper. Following a jurisdiction decision by another Ombu... (6 pages)View decision -
Decision Reference DRN-4452964
4 Mar 2024 HSBC UK Bank Plc Not upheldConsumer CreditDRN-4452964 The complaint Mr A says that the loan agreement he has with HSBC UK Bank Plc (HSBC) is unlawful and that they have deceived him by not providing full disclosure. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Inste... (2 pages)View decision -
Decision Reference DRN-4652889
4 Mar 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4652889 The complaint Mr and Mrs G are unhappy about Bank of Scotland plc trading as Halifax’s (Halifax) decision not to refund the money they paid for building work. What happened The view of 6 February 2024 detailed the background to this complaint. So, I’ll only provide a brief ove... (3 pages)View decision -
Decision Reference DRN-4500581
4 Mar 2024 Admiral Financial Services Limited UpheldConsumer CreditDRN-4500581 The Complaint Mr S complains that Admiral Financial Services Limited (“Admiral”) irresponsibly lent to him. What happened Admiral lent Mr S a loan for £8,000 in November 2021, the loan was due to be repaid on 36 monthly instalments of £255.47. Mr S has complained that he couldn... (3 pages)View decision -
Decision Reference DRN-4659712
4 Mar 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4659712 The complaint Mr S is complaining about Moneybarn No.1 Limited. He says they shouldn’t have lent to him as the loan was unaffordable. What happened In July 2020, Mr S took out a conditional sale agreement with Moneybarn, to finance the purchase of a car. He paid no deposit and... (5 pages)View decision
