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 381082 results
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Decision Reference DRN-5595837
3 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5595837 The complaint Miss D complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss D applied for an Aqua credit card in August 2022. In her application, Miss D said she was ... (3 pages)View decision -
Decision Reference DRN-5339224
3 Jul 2025 WiseAlpha Technologies Limited Not upheldInvestmentsDRN-5339224 The complaint Mr W complains that WiseAlpha Technologies Limited (“WiseAlpha”) will not offer a platform to create a secondary market in shares he acquired following the restructure of a corporate bond in which he invested. Mr W says he was led to believe WiseAlpha would off... (4 pages)View decision -
Decision Reference DRN-5591779
3 Jul 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5591779 The complaint A limited company, which I’ll refer to as ‘S’, complains that Barclays Bank UK PLC unfairly defaulted its Bounce Back Loan (“BBL”) and closed its Business Current Account (“BCA”). S’s complaint is brought to this service by its director, whom I’ll refer to as ‘... (3 pages)View decision -
Decision Reference DRN-5659609
3 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5659609 The complaint Miss P complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application. What happened Miss P applied for an Aqua credit card in February 2025. In her application, Miss P said she was employed with an income of £40,000 ... (2 pages)View decision -
Decision Reference DRN-5606231
3 Jul 2025 Liverpool Victoria Insurance Company Limited Not upheldInsuranceDRN-5606231 The complaint Mr B is unhappy with what Liverpool Victoria Insurance Company Limited (LV) did following a claim he made on his legal expenses insurance policy. What happened Mr B contacted LV in 2022 seeking assistance with a negligence claim relating to dental treatment. LV... (2 pages)View decision -
Decision Reference DRN-5649616
3 Jul 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5649616 The complaint Mrs B complains that Bank of Scotland plc, trading as Halifax, didn’t fairly deal with a claim she made under Section 75 (“S75”) of the Consumer Credit Act 1974 (“the CCA”) in relation to a purchase she made with a supplier. What happened In June 2021 Mrs B pu... (5 pages)View decision -
Decision Reference DRN-5598465
3 Jul 2025 Gain Credit LLC UpheldConsumer CreditDRN-5598465 The complaint Mr P complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) gave him loans without carrying out sufficient affordability checks. Had better checks been made it would’ve seen he was reliant on this sort of credit and had a large amount of ex... (6 pages)View decision -
Decision Reference DRN-5660539
3 Jul 2025 My Finance Club Limited Not upheldConsumer CreditDRN-5660539 The complaint Mr P says My Finance Club Limited, trading as Ondal, irresponsibly lent to him. What happened This complaint is about a short-term high-cost loan Ondal provided to Mr P on 16 March 2023. It was for £400 over 38 days and the total repayable was £521.60. Mr P say... (3 pages)View decision -
Decision Reference DRN-5013152
3 Jul 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5013152 The complaint Ms K complains that Wise Payments Limited (‘Wise’) won’t refund the money she lost to a job scam. She’s represented by a firm of solicitors. To keep things simple, I’ll refer to Ms K throughout this decision. What happened The background to this complaint is... (3 pages)View decision -
Decision Reference DRN-5580630
3 Jul 2025 Lloyds Bank PLC UpheldBanking and PaymentsDRN-5580630 The complaint Mr M, who is represented by a third party, complains that Lloyds Bank PLC (“Lloyds”) acted irresponsibly when it agreed to provide him with an overdraft facility. He says the overdraft soon became unaffordable and has asked for interest and charges incurred on ... (4 pages)View decision
