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 370904 results
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Decision Reference DRN-4715860
22 May 2024 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4715860 The complaint G, a trust, complains that National Westminster Bank Plc mismanaged its account, and is unable to explain what happened to the account or to the money in it. G has been represented in this complaint by Mrs F, the mother of the beneficiary of G. What happened An ac... (3 pages)View decision -
Decision Reference DRN-4784372
22 May 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4784372 The complaint Mr R is complaining about Zopa Bank Limited because he says it lent irresponsibly by giving him a loan he couldn’t afford. What happened Following his application, in May 2013, Mr R was given a loan with Zopa for £15,000. The loan was repayable over 3 years with a... (4 pages)View decision -
Decision Reference DRN-4806913
22 May 2024 AML Associates Financial Services Ltd UpheldInsuranceDRN-4806913 The complaint Mr G and Mrs K are unhappy that AML Associates Financial Services Limited (‘AML’) mis- sold them a joint decreasing life insurance policy with critical illness cover (‘the policy’). What happened Mr G and Mrs K applied for the policy – through AML – at the end of ... (7 pages)View decision -
Decision Reference DRN-4500411
22 May 2024 Harwoods Limited Not upheldConsumer CreditDRN-4500411 The complaint Mrs F complains about the way she was treated by Harwoods Limited trading as Harwoods Land Rover Edenbridge (Harwoods) when ordering a new car. In summary, the initial order for the vehicle was delayed and a new order then had to be submitted. The cost of the new ... (3 pages)View decision -
Decision Reference DRN-4706705
22 May 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4706705 The complaint Miss N complains that Zopa Bank Limited, who I’ll call Zopa, were unreasonable not to default her loan earlier. What happened Miss N took out a fixed sum loan with Zopa in August 2021. She made the first payment but then entered into a Debt Management Plan (DMP). ... (2 pages)View decision -
Decision Reference DRN-4808378
22 May 2024 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4808378 The complaint Miss R says Brent Shrine Credit Union Limited, trading as My Community Bank (MCB), irresponsibly lent to her. What happened Miss R took out a loan for £15,000 over 60 months in April 2022. The monthly repayments were £371.98 and the total repayable was £22,424.76.... (4 pages)View decision -
Decision Reference DRN-4700573
22 May 2024 eToro (UK) Ltd Not upheldInvestmentsDRN-4700573 The complaint Miss D complains that eToro (UK) Ltd (‘eToro’) opened a trading account for her without her knowledge or consent and transferred her assets to that account. What happened Miss D said that in January 2018 she opened a trading account provided by eToro. The account ... (4 pages)View decision -
Decision Reference DRN-4401396
22 May 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4401396 The complaint Mr P complains that TSB Bank PLC (TSB) unfairly registered a Credit Industry Fraud Avoidance Scheme (CIFAS) marker against his name. To put things right, he wants TSB to remove the marker. What happened In November 2020, Mr P applied for and was given a Bounce Bac... (3 pages)View decision -
Decision Reference DRN-4684866
22 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4684866 The complaint Mr E complains about interest applied to his account by NewDay Ltd trading as AO Finance (“NewDay”). He says no interest should have been charged because he was on an interest- free promotion. What happened In 2021, Mr E opened a credit account. The credit was pro... (3 pages)View decision -
Decision Reference DRN-4581143
22 May 2024 Philip J Milton & Company Plc Not upheldInvestmentsDRN-4581143 The complaint Mr F complains about the management of his Stocks and Shares ISA by Philip J Milton & Company Plc (‘PJM’) and its overall performance. He’s unhappy about the (high) risk he was advised to take and consequently feels that this was unsuitable, not only to remai... (6 pages)View decision
