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 384131 results
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Decision Reference DRN-5156081
21 Nov 2025 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5156081 The complaint Ms G, a sole trader, complains that HSBC UK Bank Plc closed her business bank account. What happened Ms G is a sole trader and had an account with HSBC. In April 2024, HSBC carried out a review of the account and decided to close it. Ms G complained to HSBC and... (3 pages)View decision -
Decision Reference DRN-5904188
21 Nov 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5904188 The complaint Miss M complains that Barclays Bank UK PLC trading as Tesco Bank lent irresponsibly when it approved her credit card application. What happened Miss M applied for a Tesco Bank credit card in November 2022. In her application, Miss M said she was living with he... (3 pages)View decision -
Decision Reference DRN-5802760
21 Nov 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5802760 The complaint Mr S is unhappy with HSBC UK Bank Plc. He said it stopped a valid transfer payment going through, restricted his account access and didn’t return his calls. He said the service he received was poor. Mr S lives abroad and he found the whole thing time consuming ... (3 pages)View decision -
Decision Reference DRN-5915986
21 Nov 2025 Bank of Scotland Plc Not upheldConsumer CreditDRN-5915986 The complaint Miss G complains that Bank of Scotland plc trading as Halifax was irresponsible when lending to her on three occasions and that she was not adequately assessed for the credit. What happened Miss G applied for credit with Halifax and had loans approved as follow... (4 pages)View decision -
Decision Reference DRN-5967633
21 Nov 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5967633 The complaint Miss M complains that Barclays Bank UK PLC loaded a negative fraud marker against her. She’d like compensation for the impact caused. What happened Miss M had an account with Barclays. Miss M received a payment of £2,000 into her account. On the money arriving ... (4 pages)View decision -
Decision Reference DRN-5780331
21 Nov 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5780331 The complaint Ms L complains that Revolut Ltd (Revolut) is refusing to refund her the amount she lost as the result of a scam. Ms L has previously been represented by a third party. To keep things simple, I will refer to Ms L throughout my decision. What happened The backgro... (4 pages)View decision -
Decision Reference DRN-5779387
21 Nov 2025 THE CO-OPERATIVE BANK P.L.C. Not upheldBanking and PaymentsDRN-5779387 The complaint Ms L complains that THE CO-OPERATIVE BANK P.L.C. (The Co-op) is refusing to refund her the amount she lost as the result of a scam. Ms L has previously been represented by a third party. To keep things simple, I will refer to Ms L throughout my decision. What h... (4 pages)View decision -
Decision Reference DRN-5926203
21 Nov 2025 Tesco Underwriting Limited UpheldInsuranceDRN-5926203 The complaint Mr B complains that Tesco Underwriting Limited unfairly refused a claim on his motor insurance policy. In bringing this complaint Mr B’s been represented by a family member. But for simplicity I'll refer to her comments as being Mr B’s. What happened Mr B ... (2 pages)View decision -
Decision Reference DRN-5927935
21 Nov 2025 Arch Insurance (UK) Limited Not upheldInsuranceDRN-5927935 The complaint Mr T complains Arch Insurance (UK) Limited (Arch) has declined the claim he made under his income protection insurance policy. What happened The circumstances of this complaint will be well known to both parties and so I’ve summarised events. Mr T purchased an ... (3 pages)View decision -
Decision Reference DRN-5926186
21 Nov 2025 TSB Bank plc Not upheldBanking and PaymentsDRN-5926186 The complaint Miss B is unhappy TSB Bank plc blocked her debit card after unauthorised transactions occurred on her account. What happened The background to this complaint is well known to both parties, so I’ll provide only a brief summary here. Miss B is unhappy that fol... (2 pages)View decision
