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 157985 results
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Decision Reference DRN-5213908
13 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5213908 Complaint Mr R has complained about a credit card NewDay Ltd (trading as “Aqua”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In June 2022, Aqua provided Mr R with a credit card which h... (3 pages)View decision -
Decision Reference DRN-5201017
13 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5201017 Complaint Mr E has complained about a credit card Vanquis Bank Limited (trading as “Vanquis”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsible to lend to him. Background In January 2019, Vanquis provided Mr E with a c... (3 pages)View decision -
Decision Reference DRN-5253430
13 Jan 2025 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5253430 Complaint Ms T complains that Clydesdale Financial Services Limited (trading as Barclays Partner Finance (“Barclays PF”)) unfairly entered into a conditional-sale agreement with her. She’s said the agreement was unaffordable for her. Ms T is being represented by a Claims Ma... (3 pages)View decision -
Decision Reference DRN-5249961
13 Jan 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5249961 Complaint Mr H complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable given his circumstances at the time and so he shouldn’t have been lent ... (3 pages)View decision -
Decision Reference DRN-5252789
13 Jan 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5252789 Complaint Mrs N has complained about a credit card Capital One (Europe) plc (“Capital One”) provided to her. She says the credit card was irresponsibly provided as it was unaffordable. Background Capital One provided Mrs N with a credit card with a limit of £200 in July 201... (3 pages)View decision -
Decision Reference DRN-5212103
11 Jan 2025 Bank of Scotland Plc Not upheldMortgagesDRN-5212103 The complaint X complains that the Bank of Scotland plc trading as Halifax (BOS) disclosed information about a mortgage account she had previously had with her deceased brother without her consent. What happened X had obtained from BOS a mortgage (the mortgage) with her bro... (3 pages)View decision -
Decision Reference DRN-5199309
11 Jan 2025 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5199309 The complaint Mr B, on behalf of his company I, complains about how long Barclays Bank UK PLC took to open a new business account which resulted in significant losses. What happened Mr B says he started the account opening process for his company I in January 2024. He says h... (2 pages)View decision -
Decision Reference DRN-5247107
11 Jan 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5247107 The complaint Mr B complains that Vanquis Bank Limited (‘Vanquis’) took too long to provide him with information about a cancelled direct debit instruction. What happened I issued my provisional decision on this complaint at the end of last year. An extract from that provis... (2 pages)View decision -
Decision Reference DRN-4794310
10 Jan 2025 J.P. Morgan Europe Limited UpheldBanking and PaymentsDRN-4794310 The complaint Mr B complains about J.P. Morgan Europe Limited trading as ‘Chase’. He says that Chase didn’t do enough to protect him when he fell victim to a cryptocurrency scam and would like it to refund him the money he has lost as a result. What happened Mr B had recei... (4 pages)View decision -
Decision Reference DRN-4568346
10 Jan 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-4568346 The complaint Mr N complains about Revolut Ltd. He says that Revolut didn’t do enough to protect him when he fell victim to a cryptocurrency investment scam and would like it to refund him the money he has lost. What happened Mr N was contacted by an individual (now known ... (4 pages)View decision
