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 170827 results
-
Decision Reference DRN-5663878
8 Sep 2025 Santander UK Plc UpheldMortgagesDRN-5663878 The complaint Mr and Mrs M complain that Santander UK Plc is seeking to repossess the property Mrs M lives in because of mortgage arrears. What happened Mr and Mrs M have a mortgage with Santander. Mr and Mrs M have separated and Mrs M lives in the property, but it remains a... (3 pages)View decision -
Decision Reference DRN-5743199
8 Sep 2025 Capital One (Europe) plc UpheldBanking and PaymentsDRN-5743199 The complaint Mr W complains that Capital One (Europe) plc (‘Capital One’) didn’t discharge the debt on his credit card account following the completion of his Debt Relief Order (‘DRO’) in September 2024, and this has shown negatively on his credit file. Mr W is also unhapp... (3 pages)View decision -
Decision Reference DRN-5431216
8 Sep 2025 Barclays Bank UK PLC Not upheldMortgagesDRN-5431216 The complaint This complaint is about an application Mr S made to Barclays Bank UK PLC in late 2024 to re-mortgage his property. He believes his property was under-valued, forcing him to choose whether to accept a higher interest rate or pay a large lump sum to bring the amo... (2 pages)View decision -
Decision Reference DRN-5780118
8 Sep 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5780118 The complaint Mr R complains that, after Barclays Bank UK PLC blocked a payment he had made for airline tickets, he had to purchase them with another card resulting in him paying an extra £400. What happened In March 2025, Mr R attempted to make a payment online with his deb... (2 pages)View decision -
Decision Reference DRN-5802401
8 Sep 2025 J.P. Morgan Europe Limited UpheldBanking and PaymentsDRN-5802401 The complaint Mr T complains that J.P. Morgan Europe Limited, trading as Chase, unfairly loaded an adverse fraud marker against his name. What happened As the circumstances of this complaint are well known to both parties, I have summarised them briefly below. Mr T held an a... (5 pages)View decision -
Decision Reference DRN-5674541
8 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5674541 The complaint The estate of Mrs N (the estate) complains that Vanquis Bank Limited irresponsibly lent to her. What happened Mrs N was approved for a Vanquis credit card in November 2013, with a £500 credit limit. I have set out the credit limit changes below: April 2014 £500... (5 pages)View decision -
Decision Reference DRN-5655527
8 Sep 2025 PayrNet Limited UpheldBanking and PaymentsDRN-5655527 The complaint Mr A complains PayrNet Limited has recorded a marker against him on a national fraud database. He doesn’t think it’s treated him fairly. What happened A summary of what happened is below. Mr A found out PayrNet had recorded a misuse of facility (fraud) marker a... (2 pages)View decision -
Decision Reference DRN-5802491
8 Sep 2025 Capital One (Europe) plc UpheldBanking and PaymentsDRN-5802491 The complaint Mrs H complains that Capital One (Europe) plc trading as Capital One irresponsibly lent to her. What happened Mrs H was approved for a Capital One credit card in February 2015 with a £1,000 credit limit. Capital One increased the credit limit to £1,750 in July ... (5 pages)View decision -
Decision Reference DRN-5768906
8 Sep 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5768906 The complaint Mr and Mrs O complain about the way that Mr O was treated by Lloyds Bank PLC following his presentation of cheques which were rejected, during a branch visit and subsequently. The complaint is made in joint names as it concerns a joint account, though for conve... (3 pages)View decision -
Decision Reference DRN-5357257
8 Sep 2025 Starling Bank Limited Not upheldBanking and PaymentsDRN-5357257 The complaint Mr S complains that Starling Bank Limited won’t reimburse him, after he made payments to an individual claiming to offer spiritual services, that Mr S now believes to have been a scam. Mr S is professionally represented in bringing his complaint, but for ease o... (2 pages)View decision
