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 360982 results
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Decision Reference DRN-5203339
2 Jan 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5203339 The complaint Ms H has complained that HSBC UK Bank Plc won’t refund the money she lost after falling victim to a scam. What happened In 2021, Ms H was contacted on social media by a scammer posing as a trader. They persuaded Ms H to invest with them and then later to pay a ... (2 pages)View decision -
Decision Reference DRN-5236237
2 Jan 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5236237 The complaint Miss F complains that Vanquis Bank Limited irresponsibly lent to her. Miss F is represented by a Solicitor’s firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Miss F herself. What... (4 pages)View decision -
Decision Reference DRN-4547630
2 Jan 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4547630 The complaint Miss S has complained that Bank of Scotland plc (trading as Halifax) won’t refund the money she lost after falling victim to a scam. What happened In 2020, Miss S was contacted on social media, and was persuaded to invest into a cryptocurrency mining scheme. Ho... (2 pages)View decision -
Decision Reference DRN-5038109
2 Jan 2025 Aviva Life & Pensions UK Limited Not upheldInsuranceDRN-5038109 The complaint Mrs S complains that her term assurance policy with Aviva Life & Pensions UK Limited didn’t end automatically at the same time as her mortgage. What happened In 2010 Mrs S was advised by a third-party financial adviser to take out a decreasing term assuranc... (3 pages)View decision -
Decision Reference DRN-5211667
2 Jan 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5211667 The complaint Miss M complains that Barclays Bank UK PLC trading as Barclaycard was irresponsible in its lending to her. What happened Miss M was provided with a Barclaycard. The credit limit was increased on four occasions to £4,160 in January 2014. Miss M says that the cre... (4 pages)View decision -
Decision Reference DRN-5151170
2 Jan 2025 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5151170 The complaint Miss I complains that Monzo Bank Ltd won’t refund her the money she lost after she fell victim to an Authorised Push Payment (APP) scam. What happened The background to this complaint is well known to both parties so I won’t repeat it all in detail here. But in... (7 pages)View decision -
Decision Reference DRN-5154263
2 Jan 2025 Watford Insurance Company Europe Limited UpheldInsuranceDRN-5154263 The complaint Miss P complains about Watford Insurance Company Europe Limited (“WICL”) and their decision to decline the claim she made on her motor insurance policy. What happened The claim and complaint circumstances are well known to both parties. So, I don’t intend to li... (4 pages)View decision -
Decision Reference DRN-4968844
2 Jan 2025 First Data Europe Limited Not upheldBanking and PaymentsDRN-4968844 The complaint A company, which I'll refer to as B, complains that First Data Europe Limited (trading as Clover) didn’t complete adequate checks to prevent a fraudulent transaction. Mr T, who is a director of B, brings the complaint on B's behalf. An employee of B... (3 pages)View decision -
Decision Reference DRN-5211157
2 Jan 2025 Uinsure Limited Not upheldInsuranceDRN-5211157 The complaint Mr and Mrs W complain that Uinsure Limited failed to tell them the annual Direct Debit payment to automatically renew their home insurance policy had failed which led to the cancellation of their policy. What happened Mr and Mrs W bought a home insurance policy... (2 pages)View decision -
Decision Reference DRN-5218116
2 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5218116 The complaint Mrs H says Vanquis Bank Limited (Vanquis) were unreasonable to default her account. What happened Mrs H had a credit card account with Vanquis. She fell into arrears in 2022 and Vanquis defaulted the account in August of that year. Mrs H thought they were unrea... (2 pages)View decision
