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 381082 results
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Decision Reference DRN-5819189
28 Oct 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5819189 The complaint Mrs F complains that Barclays Bank UK PLC (‘Barclays’) won’t reimburse the funds she lost when she says she fell victim to a scam. What happened What Mrs F says Mrs F says that in October 2023 she saw an advert about a rent-to-rent property investment scheme wi... (5 pages)View decision -
Decision Reference DRN-5736812
28 Oct 2025 Marks & Spencer Financial Services plc Not upheldBanking and PaymentsDRN-5736812 The complaint Mrs T complains that Marks & Spencer Financial Services Plc (MSFS) irresponsibly gave her a credit card account that she couldn’t afford. What happened Around August 2021 Mrs T applied for a revolving credit facility (credit card) with MSFS. Her application... (3 pages)View decision -
Decision Reference DRN-5911026
28 Oct 2025 Haven Insurance Company Limited UpheldInsuranceDRN-5911026 The complaint Mr C complains that Haven Insurance Company Limited cancelled his motor insurance policy. What happened In late 2024, Mr C took out a motor insurance policy with Haven. A few weeks after the policy started, Mr C received a message from Haven saying his policy h... (4 pages)View decision -
Decision Reference DRN-5796592
28 Oct 2025 Aviva Life & Pensions UK Limited Not upheldPensions and AnnuitiesDRN-5796592 The complaint Mr H has complained that Aviva Life & Pensions UK Limited (Aviva) sent him an incorrect valuation for his pension plan. Mr H claims that Aviva was attempting to defraud him and that he’s suffered a financial loss as a result. What happened Mr H holds a per... (4 pages)View decision -
Decision Reference DRN-5698824
28 Oct 2025 ReAssure Limited Not upheldPensions and AnnuitiesDRN-5698824 The complaint Mrs S has complained to ReAssure Limited (ReAssure) that she was unsuitably advised to contract out of the state earnings related pension scheme (SERPS) in 1990 and invest into a personal pension plan (PPP) instead. What happened Mrs S has said that, in 1990, s... (4 pages)View decision -
Decision Reference DRN-5704888
28 Oct 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5704888 The complaint Dr P complains that Bank of Scotland plc trading as Halifax (“Halifax”) is sending her communications saying her credit card payment is overdue when it isn’t. What happened Dr P has had a credit card with Halifax for a number of years. More recently, she’s bee... (3 pages)View decision -
Decision Reference DRN-5879307
28 Oct 2025 Experian Limited Not upheldConsumer CreditDRN-5879307 The complaint Miss L complains Experian Limited trading as Experian are incorrectly reporting information on her credit file. What happened Miss L has an account with a company I’ll refer to as Y. Her credit file currently shows missed payments are being reported by Y, despi... (2 pages)View decision -
Decision Reference DRN-5892445
28 Oct 2025 Gallium Fund Solutions Limited UpheldInvestmentsDRN-5892445 The complaint Mr H complains about the arrangement of investments in property developments, “C” and “R”. Mr H’s complaint has been brought on his behalf by a professional representative. The key points it has made, in summary, are: • An appointed representative (AR) of Galli... (19 pages)View decision -
Decision Reference DRN-5910756
28 Oct 2025 Advantage Insurance Company Limited Not upheldInsuranceDRN-5910756 The complaint Mr D complains that Advantage Insurance Company Limited have declined his claim for storm damage to a boundary wall in his rear garden. What happened Mr D has household buildings and contents insurance with Advantage. In December 2024 he made a claim under his ... (3 pages)View decision -
Decision Reference DRN-5910809
28 Oct 2025 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-5910809 The complaint Mr H complains Lowell Portfolio I Ltd have failed to provide evidence of the debts they’re asking him to repay. He’s also unhappy with Lowell’s actions in relation to a Subject Access Request (SAR) he submitted. What happened I issued a provisional decision set... (6 pages)View decision
