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 384133 results
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Decision Reference DRN-5907980
27 Nov 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5907980 The complaint Mr H complains HSBC UK Bank Plc acted unfairly by not refunding a payment he made using his credit card. What happened In March 2020, Mr H purchased a bathroom mirror from a company I’ll refer to as L. He paid £159.99 using his HSBC credit card. Around May 2025... (5 pages)View decision -
Decision Reference DRN-5498693
27 Nov 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5498693 The complaint Miss A complains that Revolut Ltd (‘Revolut’) won’t reimburse the funds she lost when she fell victim to a scam. What happened Miss A says that she saw an advert on social media and provided her contact details. Soon after, she received a message offering her ... (2 pages)View decision -
Decision Reference DRN-5950708
26 Nov 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5950708 THE COMPLAINT Mr S complains that Barclays Bank UK PLC (“Barclays”) will not reimburse him money he says he lost when he fell victim to a scam. Mr S is represented in this matter. However, where appropriate, I will refer to Mr S solely in this decision for ease of reading.... (4 pages)View decision -
Decision Reference DRN-5732073
26 Nov 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5732073 The complaint Mr L complains that Revolut Ltd hasn’t protected him from losing money to a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat everything here. In brief summary, Mr L has said that between August and December ... (2 pages)View decision -
Decision Reference DRN-5732079
26 Nov 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5732079 The complaint Mr L complains that Santander UK Plc hasn’t protected him from losing money to a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat everything here. In brief summary, Mr L has said that between September and D... (2 pages)View decision -
Decision Reference DRN-5717706
26 Nov 2025 Carmoola Limited Not upheldConsumer CreditDRN-5717706 The complaint Miss L complains that a car that was supplied to her under a hire purchase agreement with Carmoola Limited wasn’t of satisfactory quality. What happened A used car was supplied to Miss L under a hire purchase agreement with Carmoola that she signed in September... (3 pages)View decision -
Decision Reference DRN-5921812
26 Nov 2025 MONEYBARN NO.1 LIMITED UpheldConsumer CreditDRN-5921812 The complaint Ms F complains that the car she acquired through a conditional sale agreement with MONEYBARN NO.1 LIMITED (“Moneybarn”) wasn’t of satisfactory quality. What happened Ms F entered a conditional sale agreement in October 2024 to acquire a used car. The cash price... (4 pages)View decision -
Decision Reference DRN-5978778
26 Nov 2025 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5978778 The complaint Mrs P complains Mitsubishi HC Capital UK Plc (the “Lender”) has failed to honour a claim under Section 75 of the Consumer Credit Act 1974 (the “CCA”) and has participated in an unfair credit relationship with her under Section 140A of the CCA. Mrs P is represe... (11 pages)View decision -
Decision Reference DRN-5930976
26 Nov 2025 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5930976 The complaint Mr G complains The Royal Bank of Scotland Plc (“RBS”) hasn’t refunded money he said he lost as the result of a cryptocurrency investment scam. What happened Both parties are familiar with the circumstances of the complaint, so I’ll only summarise the details h... (2 pages)View decision -
Decision Reference DRN-5931362
26 Nov 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5931362 The complaint Mr G complains Revolut Ltd (“Revolut”) hasn’t refunded money he said he lost as the result of a cryptocurrency investment scam. What happened Both parties are familiar with the circumstances of the complaint, so I’ll only summarise the details here. Mr G said... (2 pages)View decision
