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-5476598
9 Dec 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5476598 The complaint Mr and Mrs T complain that National Westminster Bank Public Limited Company (‘NatWest’) won’t reimburse them after they sent funds towards an investment, that they now consider to have been a scam. Mr and Mrs T are professionally represented in bringing their c... (4 pages)View decision -
Decision Reference DRN-5982222
9 Dec 2025 Kuflink Ltd UpheldInvestmentsDRN-5982222 The complaint Mr C complains that Kuflink Ltd has failed to provide him with regular updates regarding his investment in a peer-to-peer (“P2P”) crowdfunding loan. What happened Mr C is invested in a P2P loan through Kuflink Ltd’s crowdfunding platform. Unfortunately, the loa... (4 pages)View decision -
Decision Reference DRN-5859973
9 Dec 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5859973 The complaint Mr D is unhappy that Nationwide Building Society won’t honour the current account switching incentive he says he is due. What happened Mr D says he received several communications from Nationwide about its current account switching incentive. After speaking to ... (3 pages)View decision -
Decision Reference DRN-5886802
9 Dec 2025 Scottish Widows Limited Not upheldPensions and AnnuitiesDRN-5886802 The complaint Mr E complains that Scottish Widows Limited (Scottish Widows) have unfairly reduced the amount of his pension annuity without notice, despite providing a guaranteed illustration. He wants the correct income paid and compensation for the distress and inconvenien... (3 pages)View decision -
Decision Reference DRN-5660590
9 Dec 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5660590 The complaint Mr A complains Monzo Bank Ltd won’t refund money he lost as part of a crypto investment scam. Mr A is being supported in making his complaint by a representative, but for ease, I’ll refer to Mr A throughout this decision. What happened Mr A has explained that i... (5 pages)View decision -
Decision Reference DRN-6007359
9 Dec 2025 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6007359 The complaint Mr M’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 him under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding... (16 pages)View decision -
Decision Reference DRN-5903953
9 Dec 2025 Nationwide Building Society UpheldBanking and PaymentsDRN-5903953 The complaint Mr L says that Nationwide Building Society failed to put a block on his joint savings account when he split up from his wife, and his wife then emptied the account. He’s said that when he notified Nationwide of his change of address in March 2023, he told the b... (3 pages)View decision -
Decision Reference DRN-5660391
9 Dec 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5660391 The complaint Mr A complains HSBC UK Bank Plc won’t refund money he lost as part of a crypto investment scam. Mr A is being supported in making his complaint by a representative, but for ease, I’ll refer to Mr A throughout this decision. What happened Mr A has explained that... (5 pages)View decision -
Decision Reference DRN-5761761
9 Dec 2025 Tandem Motor Finance Limited Not upheldConsumer CreditDRN-5761761 The complaint Mr O is unhappy with the quality of a car financed using a hire purchase agreement from Tandem Motor Finance Limited. What happened In April 2024 Mr O entered into a hire purchase agreement with Tandem for a used car. The car was around nine years old and had b... (4 pages)View decision -
Decision Reference DRN-4757434
9 Dec 2025 Zurich Assurance Ltd Not upheldInsuranceDRN-4757434 The complaint The trustees of the Trust are unhappy, in summary, as they don’t think Zurich Assurance Ltd (‘Zurich’) has correctly administered the reviewable whole of life policy that’s held with it. Mr C has driven the complaint and corresponded with us though, so I’ve la... (7 pages)View decision