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 170994 results
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Decision Reference DRN-5792822
8 Sep 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5792822 The complaint Mr F complains that Bank of Scotland plc will not re-open a dormant savings account in his name. The bank trades in this case under its Halifax brand. What happened Mr F has held a savings account with Halifax for many years. The bank’s records indicate that th... (3 pages)View decision -
Decision Reference DRN-5800863
8 Sep 2025 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5800863 The complaint Mr S’s complaint is, in essence, that Mitsubishi HC Capital UK Plc trading as Novuna Personal Finance (‘the Lender’), acted unfairly and unreasonably by (1) Being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 197... (3 pages)View decision -
Decision Reference DRN-5612418
8 Sep 2025 Lendable Ltd UpheldConsumer CreditDRN-5612418 The complaint Mr B says Lendable Ltd irresponsibly lent to him. What happened Mr B took out two loans from Lendable. The first, in July 2021, was for £5,225 (including the loan fee) over 18 months. The monthly repayments were £327.21. Mr B settled this loan early in November... (4 pages)View decision -
Decision Reference DRN-5769320
8 Sep 2025 Skrill Limited Not upheldBanking and PaymentsDRN-5769320 The complaint Mr R complains that Skrill Limited (“Skrill”) won’t allow him to withdraw money from his account without limits or fees being applied. Mr R wants Skrill to allow him to withdraw money from his account without these restrictions. What happened Mr R opened a Skri... (3 pages)View decision -
Decision Reference DRN-5800871
8 Sep 2025 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5800871 The complaint Mr B’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (‘the Lender’), acted unfairly and unreasonably by (1) Being party to an unfair credit relationship with him under Section 140A of the Consumer Cred... (3 pages)View decision -
Decision Reference DRN-5796688
8 Sep 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5796688 The complaint Miss M complains that Bank of Scotland Plc trading as Halifax lent to her irresponsibly. What happened The facts of this case are familiar to both sides, so I don’t intend to repeat everything in detail here. Instead, I’ll provide a summary. Halifax provided Mi... (6 pages)View decision -
Decision Reference DRN-5527272
8 Sep 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5527272 The complaint Mr A complains that Lloyds Bank plc won’t refund money he lost when he fell victim to a scam. What happened The background of this complaint is well known to both parties so I’ll only refer to the key events here. In 2024 Mr A fell victim to a scam when he sen... (3 pages)View decision -
Decision Reference DRN-5769120
8 Sep 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5769120 The complaint Mr W complains that Nationwide Building Society (“NBS”) failed to provide him with information regarding the interest earned on accounts he held with it resulting in an underpayment of income tax. What happened Mr W held two savings accounts with NBS that close... (3 pages)View decision -
Decision Reference DRN-5692668
8 Sep 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldBanking and PaymentsDRN-5692668 The complaint Mr B complains National Westminster Bank PLC (“NatWest”) failed to act on his instruction to make funds available to him and resolve things to his satisfaction. What happened A summary of what happened is below. Mr B says he has written to NatWest five times si... (2 pages)View decision -
Decision Reference DRN-5623687
8 Sep 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5623687 The complaint Mr N complains that Revolut Ltd (‘Revolut’) won’t refund the money he lost to an investment scam. He’s represented by a firm of solicitors. To keep things simple, I’ll refer to Mr N throughout this decision. What happened The background is known to both parties... (3 pages)View decision
