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
-
Decision Reference DRN-5754649
4 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5754649 The complaint Mr B complains that Vanquis Bank Limited (‘Vanquis’) returned £90 he’d paid towards his credit card and defaulted his account. Mr B’s unhappy that he didn’t receive a replacement credit card from Vanquis or a default notice, and Vanquis have failed to send impo... (3 pages)View decision -
Decision Reference DRN-5385942
4 Sep 2025 Ikano Bank AB (publ) Not upheldConsumer CreditDRN-5385942 The complaint Mr M complains Ikano Bank AB (publ) provided him with an unaffordable fixed sum loan. What happened In April 2019 Ikano Bank provided Mr M with a loan of around £5,650 to purchase windows. The loan was repayable over 60 monthly instalments of around £120 and ha... (3 pages)View decision -
Decision Reference DRN-4205079
4 Sep 2025 ReAssure Life Limited Not upheldInsuranceDRN-4205079 The complaint Mr and Mrs W complain that ReAssure Life Limited (ReAssure) unfairly administered their reviewable whole of life assurance (RWOL) policy, in particular the changes required to maintain it and how that was set out to them. What happened Mr and Mrs W took out a ... (6 pages)View decision -
Decision Reference DRN-5796387
4 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5796387 The complaint Miss H complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application. What happened Miss H applied for an Aqua credit card in May 2022. In her application, Miss H said she was earning £14,693 a year that Aqua calcula... (2 pages)View decision -
Decision Reference DRN-5226216
4 Sep 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5226216 The complaint Mr O is complaining that Bank of Scotland plc trading as Halifax (Halifax) hasn’t agreed to refund payments he says he made to a scam. The complaint is brought on his behalf by a professional representative, but I’ll mainly refer to Mr O here. What happened Bot... (3 pages)View decision -
Decision Reference DRN-5619517
4 Sep 2025 Kroo Bank Ltd UpheldBanking and PaymentsDRN-5619517 The complaint Mr K complained because Kroo Bank Ltd refused to refund him for payments which he said he hadn’t authorised. What happened Mr K said that on 12 September 2024, five £120 payments, all to the same merchant, debited his Kroo account. He contacted Kroo, and was t... (3 pages)View decision -
Decision Reference DRN-5756803
4 Sep 2025 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-5756803 The complaint Mr G is unhappy that American Express Services Europe Limited (“AmEx”) closed his account. Mr G’s complaint is brought to this service by his appointed representative. However, for ease of reference, I will refer to Mr G solely throughout this letter. What happ... (2 pages)View decision -
Decision Reference DRN-5665324
4 Sep 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5665324 The complaint Mrs W complains that Revolut Ltd won’t reimburse her money she lost to a scam. Mrs W has brought her complaint with the assistance of a professional adviser, but for ease I’ll refer to their submissions as being from Mrs W. What happened In November 2024 Mrs W ... (3 pages)View decision -
Decision Reference DRN-5560136
4 Sep 2025 AXA Health Limited Not upheldInsuranceDRN-5560136 The complaint Mrs M complains that AXA Health Limited has unfairly refused a claim she made under her private medical insurance policy. What happened Mrs M has held her AXA private medical insurance policy since 1979. Her policy includes an NHS six-week option. This meant th... (4 pages)View decision -
Decision Reference DRN-5700337
4 Sep 2025 Capital One (Europe) plc UpheldBanking and PaymentsDRN-5700337 The complaint Mrs B complains that Capital One (Europe) plc lent irresponsibly when it approved her credit card application and later increased the credit limit. Mrs B also complains that Capital One treated her unfairly when she contacted it to advise she was experiencing m... (3 pages)View decision
