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 380824 results
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Decision Reference DRN-4831389
8 Oct 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4831389 The complaint Mrs R has complained that HSBC UK Bank Plc (“HSBC”) didn’t protect her from falling victim to a scam, and it also hasn’t refunded what she lost. What happened The background of this complaint is already known to both parties, so I won’t repeat all of it here. ... (4 pages)View decision -
Decision Reference DRN-5050337
8 Oct 2024 Nationwide Building Society UpheldConsumer CreditDRN-5050337 The complaint Miss C complains that Nationwide Building Society (“Nationwide”) irresponsibly agreed loans for her. What happened Nationwide agreed a loan of £15,000 for Miss C in late November 2019. The total amount owed was £19,824 to be repaid at £236 a month over 84 mont... (7 pages)View decision -
Decision Reference DRN-5037939
8 Oct 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-5037939 The complaint Miss L complains that Nationwide Building Society unfairly returned a cheque she’d written. What happened Miss L wrote a cheque for £200 to be paid from her account with Nationwide. Nationwide tried to debit the money from Miss L’s account twice: once at 02.28 ... (2 pages)View decision -
Decision Reference DRN-5042795
8 Oct 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5042795 The complaint Mrs M complains that Bank of Scotland plc (trading as Halifax) didn’t protect her from an investment scam. Mrs M is being supported in making her complaint by a representative. But for ease, I’ll only refer to Mrs M in this decision. What happened Mrs M has sai... (4 pages)View decision -
Decision Reference DRN-4793195
8 Oct 2024 HSBC UK Bank Plc Not upheldMortgagesDRN-4793195 The complaint Mr and Mrs G complain that HSBC UK Bank Plc refused their application for a mortgage. They also complain about how it handled their application. What happened Mr and Mrs G had a mortgage with another lender. They applied to re-mortgage to HSBC. They started the... (3 pages)View decision -
Decision Reference DRN-5068047
8 Oct 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-5068047 The complaint Miss A complains about a car supplied to her under a conditional sale agreement by Moneybarn No.1 Limited. What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my informal remi... (5 pages)View decision -
Decision Reference DRN-4919511
8 Oct 2024 Close Brothers Limited Not upheldConsumer CreditDRN-4919511 The complaint Mr R complains that Close Brothers Limited unfairly closed a conditional sale agreement he had entered into. What happened In August 2021 Mr R entered into a five-year conditional sale agreement for a car with Close Brothers. Mr R was to make monthly payments o... (2 pages)View decision -
Decision Reference DRN-5033352
8 Oct 2024 Bank of Scotland Plc UpheldMortgagesDRN-5033352 The complaint Mr M complains that Bank of Scotland plc trading as Birmingham Midshires (BM) failed to collect direct debits properly, leading to his mortgage going into arrears. What happened Mr M had a residential mortgage with BM. He had been in a small amount of arrears d... (9 pages)View decision -
Decision Reference DRN-5066249
8 Oct 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5066249 The complaint Mr D complains about the service he received from Barclays Bank UK PLC (“Barclays”) when he tried to open an account. What happened In April, Mr D applied online for a current account with Barclays. He encountered numerous difficulties, beginning with an error... (3 pages)View decision -
Decision Reference DRN-4934326
8 Oct 2024 J D Williams & Company Limited Not upheldConsumer CreditDRN-4934326 The complaint Ms S complains that J D Williams & Company Limited trading as Marisota (JDW) unfairly recorded late payments on her account. She wants the late payment markers removed. What happened Ms S has a JDW account. She received a statement dated 20 January 2024 adv... (2 pages)View decision
