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 392389 results
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Decision Reference DRN-5846462
15 Jan 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5846462 The complaint Mrs S complains that Bank of Scotland plc (“BOS”) won’t refund the full amount of money she lost to a scam. What happened Mrs S says she sent several payments to what she thought was a task-based job. When Mrs S didn’t get the returns she was promised, she real... (3 pages)View decision -
Decision Reference DRN-5772112
15 Jan 2026 HARBOUR ROCK CAPITAL LIMITED Not upheldPensions and AnnuitiesDRN-5772112 The complaint Mr T complains that Harbour Rock Capital Limited (‘HR’) gave him unsuitable advice and didn’t follow a fair insistent client process in relation to the transfer of his occupational defined benefit (‘DB’) pension to a self-invested personal pension (‘SIPP’) with... (13 pages)View decision -
Decision Reference DRN-5886201
15 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-5886201 The complaint Mr T’s complaint is, in essence, that Tandem Bank Limited 1 (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding ... (12 pages)View decision -
Decision Reference DRN-5738729
15 Jan 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5738729 The complaint Mr M complains that Revolut Ltd won’t refund the full amount of money he says he lost to a scam. What happened Mr M sent several payments to what he thought was an investment recovery scheme. When Mr M didn’t receive his money back, he realised he had been scam... (3 pages)View decision -
Decision Reference DRN-6081097
15 Jan 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6081097 The complaint Mr A’s complaint is, in essence, that Shawbrook Bank Limited (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 (2) decidin... (4 pages)View decision -
Decision Reference DRN-6059141
15 Jan 2026 Lendable Ltd Not upheldBanking and PaymentsDRN-6059141 The complaint Miss M complains that Lendable Ltd trading as Zable lent irresponsibly when it approved her credit card application and later increased the limit. What happened Miss M applied for a Zable credit card in March 2024. In her application, Miss M gave a net monthly... (3 pages)View decision -
Decision Reference DRN-5937916
15 Jan 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5937916 The complaint Mr C complains that Bank of Scotland plc trading as Halifax (‘Halifax’) hasn’t reimbursed the funds he lost when he says he fell victim to a scam. What happened In late 2024 Mr C instructed a professional representative to complain to Halifax about various sca... (3 pages)View decision -
Decision Reference DRN-5863240
15 Jan 2026 Starling Bank Limited UpheldBanking and PaymentsDRN-5863240 The complaint Mr T complains that Starling Bank Limited has not refunded money he lost to a scam. What happened Mr T was looking online for investment opportunities and came across an opportunity with a company I will call ‘C’. He says he saw various articles about C’s acti... (5 pages)View decision -
Decision Reference DRN-6033255
15 Jan 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-6033255 The complaint Mr G complains that Lloyds Bank PLC didn’t provide him with a refund for a course he purchased using his credit card account. What happened On 13 March 2025, Mr G paid a £4,000 deposit for a training course with a merchant I’ll refer to as “N”. He says at the ... (4 pages)View decision -
Decision Reference DRN-5935874
15 Jan 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5935874 The complaint Mr C and Miss D complain that Barclays Bank UK Plc (‘Barclays’) hasn’t refunded the money Miss D lost to an investment scam. Miss D referred the complaint to this service with the help of a professional representative. However, for ease of reading, I’ll refer ... (4 pages)View decision