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-5934841
20 Nov 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5934841 The complaint Mrs G complains about Bank of Scotland plc trading as ‘Halifax’. Mrs G says that she has fallen victim to a long running investment scam and would like Halifax to refund her losses in full. What happened Mrs G knew a person I will refer to as GH, and had firs... (3 pages)View decision -
Decision Reference DRN-5873280
20 Nov 2025 Tandem Motor Finance Limited UpheldConsumer CreditDRN-5873280 The complaint Ms H is unhappy that a car supplied to her under a credit agreement with Tandem Motor Finance Limited (“Tandem”) was of an unsatisfactory quality and it refused her request to reject it. When I refer to what Ms H said and what Tandem said, it should also be ta... (4 pages)View decision -
Decision Reference DRN-5884932
20 Nov 2025 MBNA Limited Not upheldBanking and PaymentsDRN-5884932 The complaint Mr P is unhappy with several aspects of the service he’s received from MBNA Limited, including that they didn’t apply a 30-day hold on his account when they said they would. What happened Mr P contacted MBNA on 2 April 2025 because he was experiencing financial... (3 pages)View decision -
Decision Reference DRN-5965951
20 Nov 2025 New Wave Capital Limited Not upheldBanking and PaymentsDRN-5965951 The complaint A company I’ll call M, complains that New Wave Capital Limited trading as Capital on Tap hasn’t reimbursed a payment that was made as part of a scam. What happened Mr C is the director of M and brings this complaint on M’s behalf. Mr C received a call in July 2... (4 pages)View decision -
Decision Reference DRN-5847956
20 Nov 2025 Starling Bank Limited UpheldBanking and PaymentsDRN-5847956 The complaint Miss A complains Starling Bank Limited won’t reimburse £5,000 she lost to what she believes was an elaborate investment scam. What happened The background to this complaint is well known to both parties, so I’ll only refer to some key events here. Around Dece... (7 pages)View decision -
Decision Reference DRN-5316658
20 Nov 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5316658 The complaint X complains Revolut Ltd unfairly blocked and then closed his account. He is also unhappy that Revolut liquidated his investments and later sent funds back to the sending bank. He wants compensation for his financial losses, and the trouble and upset this caused... (6 pages)View decision -
Decision Reference DRN-5849001
20 Nov 2025 Santander UK Plc UpheldBanking and PaymentsDRN-5849001 The complaint Mrs O complains about Santander UK Plc. She says that Santander shouldn’t have let her make a payment to a builder and would like it to refund her the amount of the payment. What happened Mrs O noticed that her neighbour was having some work done on their pro... (2 pages)View decision -
Decision Reference DRN-5916784
20 Nov 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5916784 The complaint Ms M complained about the actions and service provided by Bank of Scotland plc when she found her account had been put into dormancy and was then repeatedly blocked. To put things right, she wants more compensation than Bank of Scotland has paid in connection w... (3 pages)View decision -
Decision Reference DRN-5965182
20 Nov 2025 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5965182 The complaint Mr M complains that Clydesdale Financial Services Limited trading as Barclays Partner Finance (the “Lender”) has declined a claim he brought under Section 75 of the Consumer Credit Act 1974 (“CCA”), and gave him a loan which was arranged by a credit broker who ... (3 pages)View decision -
Decision Reference DRN-5850044
20 Nov 2025 Santander UK Plc Not upheldMortgagesDRN-5850044 The complaint Mr O complains that Santander UK Plc treated him unfairly regarding his mortgage arrears. He asks that Santander pays compensation and removes adverse data from his credit file. What happened Mr O’s mortgage with Santander has been in arrears since 2019. Mr O s... (4 pages)View decision