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 171073 results
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Decision Reference DRN-5628468
2 Sep 2025 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-5628468 The complaint Mr C complains Creation Consumer Finance Ltd trading as Creation (“Creation”) reduced his credit limit. What happened In November 2021, Mr C opened a Running Account Credit Agreement (“agreement”) with Creation, with a limit of £5,000 to be used with a specifi... (2 pages)View decision -
Decision Reference DRN-5421523
2 Sep 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5421523 The complaint Ms H complains that Revolut Ltd (‘Revolut’) declined to refund her approximately £3,400 which she lost as a result of a scam. What happened The circumstances of this complaint are well known to both parties, so I will not go into every detail of what happened h... (5 pages)View decision -
Decision Reference DRN-5504100
2 Sep 2025 Zopa Bank Limited UpheldConsumer CreditDRN-5504100 The complaint Mr M complains that a car that was supplied to him under a hire purchase agreement with Zopa Bank Limited wasn’t of satisfactory quality. What happened A used car was supplied to Mr M under a hire purchase agreement with Zopa that he electronically signed in Ju... (3 pages)View decision -
Decision Reference DRN-5701025
2 Sep 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5701025 The complaint Ms H complains that Revolut Ltd (‘Revolut’) declined to refund her approximately £2,300 which she lost as a result of a scam. What happened The details of this complaint are well-known to both parties, so I will not go into every detail of what happened here ag... (4 pages)View decision -
Decision Reference DRN-5608561
2 Sep 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5608561 The complaint Ms B complains that Clydesdale Bank Plc trading as Virgin Money won’t refund the money she lost as the result of a scam. Ms B has been represented in her complaint by a firm of solicitors. What happened The background to the scam is well known to both parties, ... (4 pages)View decision -
Decision Reference DRN-5793405
2 Sep 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5793405 The complaint Mr B complains about a claim he made to Bank of Scotland plc trading as Halifax (‘Halifax’). What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my role resolving disputes wit... (6 pages)View decision -
Decision Reference DRN-5521226
2 Sep 2025 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5521226 The complaint Mr R complains about his overdraft with The Royal Bank of Scotland Plc. What happened In 2008, Mr R opened a current account with RBS; in 2021, he successfully applied for an overdraft and was granted a limit of £10,000. Some years later, Mr R complained to R... (3 pages)View decision -
Decision Reference DRN-5713763
2 Sep 2025 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-5713763 The complaint Mr G complains that a car that was supplied to him under a hire purchase agreement with BMW Financial Services (GB) Limited, trading as BMW Financial Services, wasn’t of satisfactory quality. What happened A new car was supplied to Mr G under a hire purchase ag... (3 pages)View decision -
Decision Reference DRN-5306628
2 Sep 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5306628 The complaint Ms H complains that Wise Payments Limited (‘Wise’) declined to refund her approximately £1,500 which she lost as a result of a scam. What happened The details of this complaint are well-known to both parties, so I will not go into every detail of what happened ... (4 pages)View decision -
Decision Reference DRN-5792827
2 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5792827 The complaint Miss H believes NewDay Ltd trading as Aqua acted irresponsibly when it approved her credit card application and later increased the credit limit. What happened In August 2018 Miss H applied for a credit card with NewDay. This application was approved with an in... (9 pages)View decision
