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 158533 results
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Decision Reference DRN-4951582
6 Jan 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-4951582 The complaint Mr E complains that Revolut Ltd didn’t do enough to prevent him losing money to a scam. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the key events here. In December 20... (2 pages)View decision -
Decision Reference DRN-5241018
6 Jan 2025 Accord Mortgages Limited UpheldMortgagesDRN-5241018 The complaint This complaint is about a mortgage Mr M holds with Accord Mortgages Limited (AML) In essence, the complaint comprises two broad points; these are: 1. Mr M thinks that due to AML’s administration of the mortgage, the total amount he’s paid over the life of the m... (3 pages)View decision -
Decision Reference DRN-5169198
6 Jan 2025 Bank of Scotland Plc Not upheldMortgagesDRN-5169198 The complaint Mr F and Miss F’s complaint relates to a mortgage they have with Bank of Scotland plc trading as Birmingham Midshires. They are unhappy that following the end of the mortgage term despite the mortgage being on a variable interest rate, Birmingham Midshires didn’... (5 pages)View decision -
Decision Reference DRN-5190664
6 Jan 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5190664 The complaint Mrs L complains about Bank of Scotland plc, trading as Halifax, not telling her about fees when buying a product in another country. What happened In July 2024, Mrs L used her Halifax GBP account and debit card to buy a high value product in Country A. Soon a... (2 pages)View decision -
Decision Reference DRN-5237970
6 Jan 2025 Tesco Personal Finance Limited UpheldBanking and PaymentsDRN-5237970 Complaint Mr M has complained about credit cards as well as the subsequent credit limit increases which Tesco Personal Finance PLC (trading as “Tesco Bank”) provided to him. He says he was provided with the credit cards and credit limit increases in circumstances where propo... (8 pages)View decision -
Decision Reference DRN-5236823
6 Jan 2025 Fairscore Ltd Not upheldConsumer CreditDRN-5236823 Complaint Mr B complains that Fairscore Ltd (trading as “Updraft”) irresponsibly lent to him. He’s said that his linked bank account would have shown large transactions leaving his account to offshore gambling companies so the loan was unaffordable and his application should... (4 pages)View decision -
Decision Reference DRN-5209912
5 Jan 2025 Loans 2 Go Limited Not upheldConsumer CreditDRN-5209912 The complaint Miss W says Loans 2 Go irresponsibly lent to her. What happened Miss W took out a 24-month instalment loan for £2,000 from Loans 2 Go on 28 August 2024. The monthly repayments were £134.52 and the total repayable was £3,228.72. Miss W says her personal circums... (3 pages)View decision -
Decision Reference DRN-5236254
5 Jan 2025 Bamboo Limited Not upheldConsumer CreditDRN-5236254 The complaint Mr H says Bamboo Limited, trading as Bamboo Loans, irresponsibly lent to him. What happened This complaint is about a 24-month instalment loan for £1,000 that Bamboo provided to Mr H on 1 December 2019. The monthly repayments were £75.96 and the total repayable... (3 pages)View decision -
Decision Reference DRN-4530305
4 Jan 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4530305 The complaint Mr S complain that HSBC UK Bank Plc (HSBC) won’t refund any money he lost in an investment scam. What happened What Mr S says: Mr S was looking to find ways of improving income for his family. He received a WhatsApp message from someone he didn’t know. The call... (4 pages)View decision -
Decision Reference DRN-5232257
4 Jan 2025 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5232257 The complaint S complains about the service he received from HSBC UK Bank Plc when he had health issues causing his business to be in difficulty and needed financial support. What happened S had an HSBC bounce back loan of £50,000 and an overdraft facility of £15,000 on his ... (7 pages)View decision
