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 365360 results
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Decision Reference DRN-4688073
18 Mar 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4688073 The complaint Mr D’s complaint is that National Westminster Bank Plc (“NatWest”) permitted him to continue using his overdraft and incurring fees and charges when it should have seen he wasn’t using the facility as intended. To put things right, Mr D wants NatWest to refund fee... (3 pages)View decision -
Decision Reference DRN-4102209
18 Mar 2024 Revolut Ltd Not upheldBanking and PaymentsDRN-4102209 The complaint Mrs C complains that Revolut Ltd (“Revolut”) has failed to refund over £130,000 she lost to an investment scam. What happened The details of this complaint are well known to both parties, so I won’t repeat everything again here. Instead, I will focus on giving the... (2 pages)View decision -
Decision Reference DRN-4340861
18 Mar 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4340861 The complaint R, a limited company complains that TSB Bank plc unfairly declined its application to open a business bank account. R is represented in its complaint by a director of R, Mr K. What happened In mid-2023, R applied to open a business current account with TSB but TSB... (2 pages)View decision -
Decision Reference DRN-4640058
18 Mar 2024 Bank of Scotland Plc Not upheldInsuranceDRN-4640058 The complaint Mr H has complained that Bank of Scotland plc trading as Halifax mis-sold him a whole of life plan in 2007. Mr H is represented by his sister and deputy, Mrs W. Mrs W has also raised a complaint in respect of Mr H’s late wife, but I am not considering that issue i... (3 pages)View decision -
Decision Reference DRN-4398963
18 Mar 2024 Barclays Bank UK PLC Not upheldMortgagesDRN-4398963 The complaint Mr S has complained that Barclays Bank UK PLC wouldn’t grant him a new preferential interest rate product whilst he was renting out his residential property. What happened Mr S holds a residential mortgage with Barclays. He spoke to an adviser on 11 January 2022 a... (3 pages)View decision -
Decision Reference DRN-4487211
18 Mar 2024 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-4487211 The complaint Mr C complains about the misrepresentation of a car that was supplied through a hire purchase agreement with BMW Financial Services (GB) Limited (BMW). What happened In September 2022, Mr C acquired a used car through a hire purchase agreement with BMW. The car wa... (4 pages)View decision -
Decision Reference DRN-4374625
18 Mar 2024 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-4374625 The complaint Mr L has complained that Tesco Personal Finance PLC (“Tesco”), has unfairly turned down a claim he made about something he bought using his Tesco credit card. What happened In April 2017, Mr L, along with his wife, bought membership with a holiday club called “E”.... (3 pages)View decision -
Decision Reference DRN-4689244
18 Mar 2024 TSB Bank plc UpheldBanking and PaymentsDRN-4689244 The complaint A company which I’ll call ‘L’ complains that TSB Bank Plc wouldn’t remove a restriction from their account which had been applied incorrectly as a result of a HMRC error. The complaint is brought on L’s behalf by their director, Mr B. What happened L held a busine... (5 pages)View decision -
Decision Reference DRN-4462763
18 Mar 2024 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-4462763 The complaint Mr J complains that Shop Direct Finance Company Limited irresponsibly granted him two running account credit agreements he couldn’t afford. What happened Shop Direct gave Mr J two running credit accounts. The first was granted in January 2016 with a limit of £1,00... (3 pages)View decision -
Decision Reference DRN-4584332
18 Mar 2024 Royal & Sun Alliance Insurance Limited Not upheldInsuranceDRN-4584332 The complaint Mr G and Mrs G complain about Royal & Sun Alliance Insurance Limited (“RSA”) and the service provided to them following a claim they made on their home insurance policy. What happened The claim and complaint circumstances are well known to both parties. So, I ... (3 pages)View decision
