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 382297 results
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Decision Reference DRN-5862992
7 Nov 2025 Oodle Financial Services Limited UpheldConsumer CreditDRN-5862992 The complaint Mr A complains that a car he acquired with finance from Oodle Financial Services Limited trading as Oodle Car Finance (‘Oodle’) wasn’t of satisfactory quality. Mr A is represented in the complaint, but I’ll refer to everything that’s been said on his behalf as ... (3 pages)View decision -
Decision Reference DRN-5749547
7 Nov 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5749547 The complaint Mr M complains that Lloyds Bank PLC hasn’t reimbursed him after he reported falling victim to an investment scam. What happened The background to this complaint is well-known to all parties, and so I’ll only provide a brief summary of events here. Mr M was in c... (3 pages)View decision -
Decision Reference DRN-5381674
7 Nov 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5381674 The complaint Mrs P complains that Santander UK Plc (‘Santander’), won’t refund the money she lost as a result of what she believes was an ‘Authorised Push Payment’ (‘APP’) property investment scam. Mrs P brings her complaint with the assistance of a professional representa... (5 pages)View decision -
Decision Reference DRN-5819918
7 Nov 2025 Red Sands Insurance Company (Europe) Limited UpheldInsuranceDRN-5819918 The complaint Mr S is unhappy Red Sands Insurance Company (Europe) Limited declined a claim on a motor warranty policy. What happened The details of the complaint are well known to both parties, so I won’t repeat them again here. Instead, I’ll focus on providing my reasons f... (2 pages)View decision -
Decision Reference DRN-5754783
7 Nov 2025 ICM Capital Limited Not upheldInvestmentsDRN-5754783 The complaint Mr A has complained that ICM Capital Limited (‘ICM’) closed his open positions and trading account which he says was due to trading manipulation. He said this wasn’t the first time it had happened. He wants his losses repaid to him. What happened Mr A had been... (4 pages)View decision -
Decision Reference DRN-5760934
7 Nov 2025 Domestic & General Insurance Plc Not upheldInsuranceDRN-5760934 The complaint Mr M has complained that Domestic & General Insurance Plc (D&G) unfairly took payments for his appliance warranty. What happened Mr M had a D&G appliance warranty for his TV. He cancelled the monthly direct debit, but didn’t tell D&G. When D&am... (2 pages)View decision -
Decision Reference DRN-5862342
7 Nov 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5862342 The complaint Ms C is unhappy that Barclays Bank UK PLC trading as Tesco Bank (TB) is charging her interest on a balance transfer that she was expecting to be interest free. When I refer to what Ms C and/or TB have said or did, it should also be taken to include things said... (3 pages)View decision -
Decision Reference DRN-5822833
7 Nov 2025 BMW Financial Services (GB) Limited Not upheldConsumer CreditDRN-5822833 Complaint Mr M complains that BMW Financial Services (GB) Limited (trading as “Alphera” Financial Services) unfairly entered into a hire purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable and so his application for it should... (4 pages)View decision -
Decision Reference DRN-5777818
7 Nov 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5777818 The complaint Mr B complains that Barclays Bank UK PLC did not prevent scam payments from being received into their customer’s account. Mr B has a professional representative, but I will only refer to him throughout this decision for simplicity. What happened Mr B’s son intr... (2 pages)View decision -
Decision Reference DRN-5879690
7 Nov 2025 TSB Bank plc Not upheldBanking and PaymentsDRN-5879690 The complaint Mr M’s complaint relates to the service provided by TSB Bank plc when he had a Lasting Power of Attorney (‘LPA’) registered on his account and there was a dispute between the two people who held power of attorney (‘POA’) at the time to manage his account. The ... (4 pages)View decision
