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-5366330
3 Mar 2025 Tandem Personal Loans Ltd UpheldConsumer CreditDRN-5366330 The complaint The estate of Mr B’s complaint is, in essence, that Tandem Personal Loans Ltd (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with the late Mr B under Section 140A of the Consumer Credit Act 1974 (as amended) (... (14 pages)View decision -
Decision Reference DRN-5307763
3 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5307763 The complaint Mr D complains that Vanquis Bank Limited irresponsibly lent to him. Mr D is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr D himself. What happen... (2 pages)View decision -
Decision Reference DRN-5366475
3 Mar 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5366475 The complaint Miss C on behalf of business “L” complains about the service received from Revolut Ltd (“Revolut”) in tracing a missing transfer of $35,000 that she sent to L’s business account. What happened Miss C sent a transfer of US$35,000 to L’s business account held wi... (4 pages)View decision -
Decision Reference DRN-4836324
3 Mar 2025 Lloyds Bank PLC Not upheldConsumer CreditDRN-4836324 The complaint Mr S’s complaint is, in essence, that Lloyds Bank PLC (‘Lloyds’) acted unfairly and unreasonably by deciding against paying claims under Section 75 of the CCA. Although the purchase in question here was bought by Mr and Mrs S, the payment was made on a credit ... (5 pages)View decision -
Decision Reference DRN-5215908
3 Mar 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5215908 The complaint Mr G is being represented by solicitors. He’s complaining about Revolut Ltd because it declined to refund money he lost as a result of fraud. What happened Sadly, Mr G fell victim to a cruel investment scam. He says he was introduced to the idea of cryptocurren... (4 pages)View decision -
Decision Reference DRN-5365937
3 Mar 2025 Omni Capital Retail Finance Limited UpheldConsumer CreditDRN-5365937 The complaint and what happened Mr C has complained about Omni Capital Retail Finance Limited’s response to a claim he made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’). I’ve included relevant sections of my provisional decision from February 2025, ... (6 pages)View decision -
Decision Reference DRN-4871313
3 Mar 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4871313 The complaint C, a limited company, complains that Lloyds Bank PLC (‘Lloyds’) hasn’t refunded all the money it lost, after it was the victim of an authorised push payment (‘APP’) scam. What happened The circumstances of the complaint are well known to both parties. As a resu... (5 pages)View decision -
Decision Reference DRN-5338151
3 Mar 2025 American Express Services Europe Limited (AESEL) Not upheldBanking and PaymentsDRN-5338151 The complaint Mr H complains that American Express Services Europe Ltd (‘AESEL’) closed his credit card account and won’t say why. He also complains he didn’t receive a cashback amount due to him. Mr H wants to know why his account was closed and for it to be reinstated if ... (2 pages)View decision -
Decision Reference DRN-5366113
3 Mar 2025 Santander UK Plc UpheldBanking and PaymentsDRN-5366113 The complaint A company, which I’ll refer to as R, complains that Santander UK Plc won’t reimburse it after it lost money to an investment – that it now considers to have been a scam. Mr S, who is a director of R, brings the complaint on R’s behalf via a family representativ... (11 pages)View decision -
Decision Reference DRN-5323341
3 Mar 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5323341 The complaint Mr S is unhappy with how Barclays Bank UK plc trading as Barclaycard (‘Barclaycard’) handled his request to close his credit card account. Mr S would like Barclaycard to increase the amount of compensation they’ve offered to him. What happened In August 2024 ... (3 pages)View decision
