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-5842900
19 Nov 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5842900 The complaint Mr A complains that Bank of Scotland plc, trading as Halifax, won’t reimburse him funds he lost as part of an investment fraud. What happened As the circumstances of this complaint are well-known to both parties, I have summarised them briefly below. In 2021, M... (3 pages)View decision -
Decision Reference DRN-5939235
19 Nov 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5939235 The complaint Miss B, via a representative, has complained that HSBC UK Bank Plc (“HSBC”) failed to refund the money she lost as part of an investment scam. What happened The details of this complaint are well known to both parties, so I will not repeat everything again he... (4 pages)View decision -
Decision Reference DRN-5773043
19 Nov 2025 TRANSUNION INTERNATIONAL UK LIMITED UpheldConsumer CreditDRN-5773043 The complaint Mr K complains that TransUnion International UK Limited trading as TransUnion (TU) reported someone else’s data on his credit file, and this affected his ability to obtain credit at competitive rates. What happened Mr K made applications for credit to help cove... (2 pages)View decision -
Decision Reference DRN-5728206
19 Nov 2025 Billing Finance Limited Not upheldConsumer CreditDRN-5728206 The complaint Mr P complains about the amount Billing Finance Limited (“BF”) are asking him to pay following termination of his hire purchase agreement. What happened Both parties are familiar with the background of this complaint so I will only summarise what happened brie... (3 pages)View decision -
Decision Reference DRN-5724119
19 Nov 2025 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5724119 The complaint Mr H complains that OAKBROOK FINANCE LIMITED trading as Oakbrook was irresponsible in its lending to him. He wants all interest and charges on his loan refunded along with 8% interest and any adverse information removed from his credit file. Mr H also wants com... (4 pages)View decision -
Decision Reference DRN-5618141
19 Nov 2025 AmTrust Specialty Limited UpheldInsuranceDRN-5618141 The complaint Mrs C and Mr L complain about AmTrust Specialty Limited’s handling of their building warranty claim. Mrs C and Mr L are both complainants. But for ease of reading, and as he’s been the main correspondent, I generally only referred to Mr L. AmTrust’s been repre... (4 pages)View decision -
Decision Reference DRN-5748953
19 Nov 2025 Admiral Insurance (Gibraltar) Limited Not upheldInsuranceDRN-5748953 The complaint Miss E complains about not receiving a refund due on cancellation of her motor insurance policy by her insurer, Admiral Insurance (Gibraltar) Limited (Admiral). Admiral say they issued the refund correctly, but Miss E says she didn’t receive it, and Admiral did... (4 pages)View decision -
Decision Reference DRN-5939180
19 Nov 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5939180 The complaint Miss B, via a representative, has complained that Revolut Ltd (“Revolut”) failed to refund the money she lost as part of an investment scam. What happened The details of this complaint are well known to both parties, so I will not repeat everything again here... (3 pages)View decision -
Decision Reference DRN-5864443
19 Nov 2025 INTACT INSURANCE UK LIMITED Not upheldInsuranceDRN-5864443 The complaint Mr S complains that Intact Insurance UK Limited declined a claim he made on his buildings insurance policy. Reference to Intact includes its agents and representatives. What happened The circumstances of this complaint aren’t in dispute, so I’ll summarise the... (3 pages)View decision -
Decision Reference DRN-5954759
19 Nov 2025 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-5954759 The complaint Mr K is unhappy that a van supplied to him under a conditional sale agreement with Moneybarn No.1 Limited trading as Moneybarn was of an unsatisfactory quality. What happened In October 2024 Mr K was supplied with a used van through a conditional sale agreemen... (3 pages)View decision