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 381195 results
-
Decision Reference DRN-5311596
15 Jul 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5311596 The complaint Mr O complains that Lloyds Bank PLC (‘Lloyds’) hasn’t refunded the money he believes he lost to an authorised push payment (‘APP’) scam. What happened The circumstances of the complaint are well-known to both parties. So, I don’t intend on setting these out in ... (3 pages)View decision -
Decision Reference DRN-5283113
15 Jul 2025 Oodle Financial Services Limited UpheldConsumer CreditDRN-5283113 The complaint Mr T complains about the quality of a used car that was supplied through a hire purchase agreement with Oodle Financial Services Limited (Oodle). What happened In June 2024, Mr T acquired a used car through a hire purchase agreement with Oodle. The car was abou... (4 pages)View decision -
Decision Reference DRN-5594367
15 Jul 2025 Acromas Insurance Company Limited Not upheldInsuranceDRN-5594367 The complaint Mr S complains that Acromas Insurance Company Limited declined a claim on his legal expenses insurance policy. Where I refer to Acromas, this includes its agents and claims handlers acting on its behalf. What happened Mr S made a claim for cover under the contr... (7 pages)View decision -
Decision Reference DRN-5372030
15 Jul 2025 N.I.I.B. Group Limited UpheldConsumer CreditDRN-5372030 The complaint Mr C, through his representative, complains that NIIB Group Limited, trading as Northridge Finance (“Northridge”) lent to him irresponsibly by financing an agreement to purchase a car which he could not afford. What happened Mr C paid a deposit of £2,601 on 18 ... (4 pages)View decision -
Decision Reference DRN-5600552
15 Jul 2025 Tandem Bank Limited Not upheldConsumer CreditDRN-5600552 The complaint Mrs S has complained that Tandem Bank Limited “Tandem” rejected her claim against it under Section 75 of the Consumer Credit Act 1974. Mrs S’s credit agreement was originally with a different provider, but Tandem is responsible for answering this Section 75 cl... (4 pages)View decision -
Decision Reference DRN-5613294
15 Jul 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5613294 The complaint Mr E complains about the quality of a car he acquired under a conditional sale agreement with Moneybarn No. 1 Limited (Moneybarn). When I refer to what Mr E and/or Moneybarn said or did, it should also be taken to include things said or done on their behalf. ... (4 pages)View decision -
Decision Reference DRN-5692720
15 Jul 2025 Accredited Insurance (Europe) Ltd Not upheldInsuranceDRN-5692720 The complaint Miss D has complained about her property insurer Accredited Insurance (Europe) Ltd because, within days of her policy starting, Accredited cancelled it. What happened Miss D bought her home in 2018, a home buyers report found no major issues. Miss D, in 2019, ... (3 pages)View decision -
Decision Reference DRN-5604665
15 Jul 2025 TSB Bank plc Not upheldBanking and PaymentsDRN-5604665 The complaint Mrs C complains that TSB Bank plc closed her credit card account. What happened Mrs C holds a credit card account with TSB. In December 2024 TSB wrote to Mrs C advising her that they had made a decision to close her credit card with effect from 23 February 2025... (2 pages)View decision -
Decision Reference DRN-5170908
15 Jul 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5170908 The complaint Mr B complains that Monzo Bank Ltd (‘Monzo’) won’t refund the money he lost as the result of a scam. What happened In 2023, Mr B was contacted through a messaging app, by someone I’ll refer to as C. Mr B says that he had been in contact with C for almost two ... (3 pages)View decision -
Decision Reference DRN-5684608
15 Jul 2025 Bank of Scotland Plc UpheldMortgagesDRN-5684608 The complaint Mr S complains that Bank of Scotland plc, trading as Halifax, hasn’t credited some of his payments to his mortgage correctly. As a result, he says it has wrongly treated the mortgage as being in arrears, charged him fees and extra interest, and he suspects ther... (4 pages)View decision
