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
-
Decision Reference DRN-4800972
10 Jan 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-4800972 The complaint Mr M complains Revolut Ltd didn’t do enough to protect him when he fell victim to an investment scam. What happened Mr M has an account with Revolut which he opened in 2022. In other words, he had an account with Revolut before falling victim to the scam he’s c... (3 pages)View decision -
Decision Reference DRN-5025288
10 Jan 2025 Specialist Motor Finance Limited UpheldConsumer CreditDRN-5025288 The complaint Mr F complains about the quality of a car supplied on finance by Specialist Motor Finance Limited (‘SMF’). What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my role resolvin... (6 pages)View decision -
Decision Reference DRN-5193815
10 Jan 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5193815 The complaint Mr W complains that Oodle Financial Services Limited (Oodle) incorrectly reported a missed payment on his credit file. What happened In June 2023, Mr W acquired a car through a hire purchase agreement with Oodle. The cash price of the car was £11,999. No deposi... (2 pages)View decision -
Decision Reference DRN-5253349
10 Jan 2025 Santander UK Plc UpheldConsumer CreditDRN-5253349 The complaint Mr F complains Santander UK Plc is holding him liable for a loan he says he didn’t take out. What happened Mr F has three accounts with a business who I’ll refer to as “H” throughout the rest of this decision – including a current account and a savings account.... (3 pages)View decision -
Decision Reference DRN-5178015
10 Jan 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5178015 The complaint Ms F complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application. What happened In March 2019 Ms F applied for a credit card with Vanquis. In her application, Ms F said she was employed with an income of £31,500 a year w... (3 pages)View decision -
Decision Reference DRN-5251832
10 Jan 2025 Volkswagen Financial Services (UK) Limited UpheldConsumer CreditDRN-5251832 The complaint Mr S’ complaint is about a credit agreement with Volkswagen Financial Services (UK) Limited trading as Volkswagen Financial Services (“VWFS”). What happened In April 2023 Mr S entered into a hire purchase agreement with VWFS to acquire a car. In January 2024 ... (4 pages)View decision -
Decision Reference DRN-5133225
10 Jan 2025 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5133225 The complaint Mr K complains that Barclays Bank UK PLC trading as Barclaycard didn’t give him enough information before he made a transaction on his account. He says that, as a result, he suffered negative consequences which he wasn’t expecting. What happened Mr K holds a c... (3 pages)View decision -
Decision Reference DRN-5249924
10 Jan 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5249924 The complaint Mr and Mrs J complain Nationwide Building Society (“Nationwide”) applied restrictions to their online banking facility and won’t lift them until they provide what they consider unnecessary evidence. What happened Mr and Mrs J hold a joint account with Nationwid... (2 pages)View decision -
Decision Reference DRN-4984141
10 Jan 2025 Starling Bank Limited Not upheldBanking and PaymentsDRN-4984141 The complaint Mr O complains that Starling Bank Limited (Starling) closed his personal account with just seven days’ notice, and without a legitimate reason. To put things right, Mr O wants Starling to explain its decision and to pay him compensation. What happened On 17 May... (2 pages)View decision -
Decision Reference DRN-4708124
10 Jan 2025 Virgin Media Mobile Finance Limited UpheldConsumer CreditDRN-4708124 The complaint Mr S complains Virgin Media Mobile Finance Limited unfairly allowed a fraudster to use his details to take out a fixed sum loan agreement for a mobile phone. What happened Mr S says a fixed sum loan agreement for a mobile phone was taken out using his details,... (3 pages)View decision
