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-5742060
21 Nov 2025 Startline Motor Finance Limited Not upheldConsumer CreditDRN-5742060 The complaint Mr C says STARTLINE MOTOR FINANCE LIMITED (‘Startline’), irresponsibly lent to him. He says that it didn’t conduct proportionate checks before approving car finance for him. If it had made better checks it would have seen that he was in financial difficulty and... (3 pages)View decision -
Decision Reference DRN-5746372
21 Nov 2025 Adrian Flux Insurance Services Group Not upheldInsuranceDRN-5746372 The complaint Mr W complains about how Adrian Flux Insurance Services Group (Adrian Flux) dealt with his motor insurance policy following his being unable to provide proof of his No Claims Bonus (NCB) following his taking out the policy. References to Adrian Flux in this de... (3 pages)View decision -
Decision Reference DRN-5871681
21 Nov 2025 Lendable Ltd Not upheldBanking and PaymentsDRN-5871681 The complaint Mr D complains that Lendable Ltd (Lendable) mis-sold him a credit card account. He is unhappy that he’s not able to transfer his balance to another card. What happened Mr D complains that Lendable mis-sold him a credit card. He says the account was promoted wit... (3 pages)View decision -
Decision Reference DRN-5958517
21 Nov 2025 Tesla Financial Services Limited UpheldConsumer CreditDRN-5958517 The complaint Mr P is unhappy with how Tesla Financial Services Limited handled issues he had after deciding not to take out a hire purchase agreement with them. What happened Mr P decided to purchase a car on 12 March 2025, as part of this, he arranged to take out a hire pu... (4 pages)View decision -
Decision Reference DRN-5967227
21 Nov 2025 First Holiday Finance Ltd Not upheldConsumer CreditDRN-5967227 The complaint Mr and Mrs N’s complaint is, in essence, that First Holiday Finance Ltd (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and ... (20 pages)View decision -
Decision Reference DRN-5842285
21 Nov 2025 Tide Platform Limited Not upheldBanking and PaymentsDRN-5842285 The complaint Business A complains Tide Platform Limited cancelled a payment then blocked its business account. What happened Business A explained Tide blocked its business account and said it required details about a transaction before it would unblock it. A said this meant... (4 pages)View decision -
Decision Reference DRN-5954381
21 Nov 2025 Hargreaves Lansdown Asset Management Limited Not upheldPensions and AnnuitiesDRN-5954381 The complaint Mr M complains about the actions of Hargreaves Lansdown Asset Management Limited (HL), which he feels have led to a financial loss. He said that in 2021, HL told him that as he approached the age of 75, a Benefit Crystallization Event (BCE) had to take place. A... (8 pages)View decision -
Decision Reference DRN-5940873
21 Nov 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5940873 The complaint P, a partnership, complains that NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY failed to offer adequate support in respect of their accounts and outstanding loan and overdraft. Mr P, a partner, makes the complaint on P’s behalf. What happened P had a busines... (4 pages)View decision -
Decision Reference DRN-5834751
21 Nov 2025 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5834751 The complaint Mrs T is unhappy Barclays Bank UK PLC defaulted and closed her account, even though she was making payments to reduce her overdraft. What happened Mrs T entered into a repayment arrangement with Barclays starting in July 2024 to pay off her overdraft. Mrs T was... (3 pages)View decision -
Decision Reference DRN-5509723
21 Nov 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5509723 The complaint Mr H complains that Bank of Scotland plc, trading as Halifax (‘Halifax’), won’t refund him the money he lost after he fell victim to an Authorised Push Payment (‘APP’) scam. What happened The background to this complaint is well known to both parties, so I won... (3 pages)View decision
