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 160340 results
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Decision Reference DRN-5366125
5 Mar 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5366125 The complaint Mr L, who is represented by a third party, complains that Bank of Scotland plc, trading as Halifax (‘Halifax’) irresponsibly provided him with an overdraft he couldn’t afford to repay sustainably. What happened In July 2006 Halifax agreed to provide Mr L with ... (4 pages)View decision -
Decision Reference DRN-4882179
5 Mar 2025 Tandem Motor Finance Limited UpheldConsumer CreditDRN-4882179 The complaint Mr B is unhappy that a car supplied to him under a hire purchase agreement with Tandem Motor Finance Limited was of an unsatisfactory quality. What happened In December 2022, Mr B was supplied with a used car through a hire purchase agreement with Tandem. The ... (5 pages)View decision -
Decision Reference DRN-5319249
5 Mar 2025 HSBC UK Bank Plc Not upheldMortgagesDRN-5319249 The complaint Mr F complains that HSBC UK Bank Plc mis-sold a mortgage to him. He says it told him he’d have to be party to a joint mortgage, even though he contributed a significant portion of the property purchase price. Mr F says HSBC didn’t do sufficient checks on the jo... (2 pages)View decision -
Decision Reference DRN-5204736
5 Mar 2025 Barclays Bank Plc Not upheldBanking and PaymentsDRN-5204736 The complaint Mr R complains that Barclays Bank Plc closed his accounts without providing a proper explanation. Mr R is also unhappy with the amount of time Barclays took to transfer his accounts. He says this caused him unnecessary stress and worry for which he should be co... (5 pages)View decision -
Decision Reference DRN-5290967
5 Mar 2025 PayPal UK Ltd UpheldBanking and PaymentsDRN-5290967 The complaint Ms M has complained that PayPal UK Ltd (“Xoom”) blocked a payment she attempted to make, as it required her to provide photo ID. Ms M is unhappy with how Xoom handled the request that she provide photo ID. What happened Ms M attempted to send £300 in USD using ... (3 pages)View decision -
Decision Reference DRN-5322000
5 Mar 2025 National Westminster Bank Plc Not upheldMortgagesDRN-5322000 The complaint This complaint is about two mortgages Mr M and Miss Y hold with National Westminster Bank Plc (NatWest). The essence of the complaint is that based on information given in 2019, that Mr M and Miss Y say was incorrect, Mr M and Miss selected a two-year fixed int... (5 pages)View decision -
Decision Reference DRN-5356892
5 Mar 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5356892 The complaint Mr E complains that Revolut Ltd won’t refund money he lost when he fell victim to an employment scam. Mr E is being represented by a claims management company in this complaint. What happened The full details of this complaint are well-known to both parties a... (11 pages)View decision -
Decision Reference DRN-5143120
5 Mar 2025 RCI Financial Services Limited UpheldConsumer CreditDRN-5143120 The complaint Mr D is unhappy that a car supplied to him under a hire purchase agreement with RCI Financial Services Limited trading as Nissan Financial Services (RCI) was of an unsatisfactory quality. Mr D is represented in this matter by his partner Mrs D. For ease of rea... (4 pages)View decision -
Decision Reference DRN-5373129
5 Mar 2025 Stellantis Financial Services UK Limited UpheldConsumer CreditDRN-5373129 The complaint Mr J complains that the car he acquired through Stellantis Financial Services UK Limited (“SFS”) wasn’t of satisfactory quality. He wants to reject the car and have the finance agreement cancelled. What happened Mr J entered into a conditional sale agreement in... (5 pages)View decision -
Decision Reference DRN-5281130
5 Mar 2025 J.P. Morgan Europe Limited Not upheldBanking and PaymentsDRN-5281130 The complaint Miss F complains that J.P. Morgan Europe Limited trading as Chase (Chase) changed the account from which payments were debited, without her authority. This caused inconvenience and affected her trust in Chase. What happened In July 2024, Miss F raised an accou... (2 pages)View decision
