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-5964516
20 Nov 2025 Scottish Widows Limited UpheldPensions and AnnuitiesDRN-5964516 The complaint Mr D complains that Scottish Widows Limited (Scottish Widows) made multiple errors in restructuring his Personal Pension Plan, without communicating what was happening and causing financial losses. Mr D is assisted in bringing his complaint by his IFA, who I’l... (6 pages)View decision -
Decision Reference DRN-5964297
20 Nov 2025 Hargreaves Lansdown Advisory Services Limited Not upheldPensions and AnnuitiesDRN-5964297 The complaint Mr C’s complaint is about advice given by Hargreaves Lansdown Advisory Services Limited (HL) to transfer his defined benefit (DB) occupational pension scheme to a self invested personal pension (SIPP). Mr C says the advice to transfer was unsuitable, not in his... (4 pages)View decision -
Decision Reference DRN-5922972
20 Nov 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5922972 The complaint Mr A is complaining that HSBC UK Bank Plc (HSBC) unfairly reduced his overdraft. What happened Mr A has a current account with HSBC and until August 2023 this had an overdraft of £1,500 on it that was available for use to Mr A. However, in July 2023 HSBC wrote... (3 pages)View decision -
Decision Reference DRN-5797900
20 Nov 2025 J.P. Morgan Europe Limited UpheldBanking and PaymentsDRN-5797900 The complaint Mr S complains J.P. Morgan Europe Limited trading as Chase refused to refund three payments that he claimed under the direct debit guarantee scheme. He complains about poor customer service too. What happened Mr S has an account with Chase. Mr S contacted Chase... (2 pages)View decision -
Decision Reference DRN-5913959
20 Nov 2025 Oodle Financial Services Limited UpheldConsumer CreditDRN-5913959 The complaint X is unhappy that Oodle Financial Services Limited (Oodle) reported a default to their credit file despite having kept up with payments. X is also unhappy with the service they received when speaking to advisers on the phone. What happened X took receipt of a ... (2 pages)View decision -
Decision Reference DRN-5964178
20 Nov 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5964178 The complaint Miss S complains that NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY (‘NatWest’) hasn’t refunded the money she says she lost as part of an authorised push payment (‘APP’) investment scam. What happened The circumstances of the complaint are well-known to both... (6 pages)View decision -
Decision Reference DRN-5860603
20 Nov 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5860603 The complaint Miss G complains that Barclays Bank UK PLC (“Barclays”) won’t reimburse payments she made as part of a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat it in detail here. But in summary, I understand it to b... (4 pages)View decision -
Decision Reference DRN-5759488
20 Nov 2025 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5759488 The complaint Mr H is unhappy that Barclays Bank UK PLC, trading as Barclaycard, reduced his credit limit on his credit card account and with the service he’s received surrounding this. What happened Mr H has a credit card with Barclaycard which used to have a credit limit o... (3 pages)View decision -
Decision Reference DRN-5860573
20 Nov 2025 Starling Bank Limited Not upheldBanking and PaymentsDRN-5860573 The complaint Miss G complains that Starling Bank Limited (“Starling”) won’t reimburse a payment she made as part of a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat it in detail here. But in summary, I understand it to... (4 pages)View decision -
Decision Reference DRN-5950951
20 Nov 2025 Amplifi Capital (U.K.) Limited UpheldConsumer CreditDRN-5950951 The complaint Mrs W complaints that Amplifi Capital (U.K.) Limited trading as Reevo treated her unfairly by agreeing a loan she couldn’t afford to repay. What happened In September 2023 Reevo agreed a £1,000 loan to be repaid over 12 months. The monthly repayments were just ... (3 pages)View decision
