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 157985 results
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Decision Reference DRN-5043411
12 Dec 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-5043411 The complaint Mr K complains that TSB Bank plc unfairly closed his account and recorded a default in his name. What happened Around June 2022, TSB defaulted Mr K’s account and closed the account down. This was because Mr K’s account was in an unarranged overdraft and he hadn... (2 pages)View decision -
Decision Reference DRN-4528465
12 Dec 2024 Evolution Lending Limited UpheldMortgagesDRN-4528465 The complaint Mrs E complains that Evolution Lending Limited (Evolution) lent irresponsibly which has led to her falling into financial difficulties. What happened Mrs E was referred to Evolution by an intermediary who is not a respondent to this complaint. She was seeking a... (5 pages)View decision -
Decision Reference DRN-5165201
12 Dec 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5165201 The complaint Mr T complains about the service Lloyds Bank PLC provided him with at a named branch during two separate visits. What happened Mr T has complained about two visits to the same branch of Lloyds, once to make a cash deposit and one to make a cash withdrawal. I wo... (5 pages)View decision -
Decision Reference DRN-4788209
12 Dec 2024 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4788209 The complaint Mrs M has complained about what happened after she rejected a car that she’d acquired using finance from Specialist Motor Finance Limited (‘SMF’). Mrs M has been represented in bringing her complaint. But for clarity, I’ll refer to all submissions made on her b... (3 pages)View decision -
Decision Reference DRN-5207420
12 Dec 2024 Shawbrook Bank Limited UpheldConsumer CreditDRN-5207420 The complaint and what happened Mrs P has complained about Shawbrook Bank Limited’s response to a claim she made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’) and in relation to allegations of an unfair relationship taking in to account Section 140A (... (5 pages)View decision -
Decision Reference DRN-5137753
12 Dec 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5137753 The complaint Mr N complains that Barclays Bank UK PLC have failed to refund around £109,000 he says he lost to a builder scam. The details of this complaint are well known to both parties. So, if there’s a submission I’ve not addressed; it isn’t because I’ve ignored the po... (3 pages)View decision -
Decision Reference DRN-4961689
12 Dec 2024 Wise Payments Limited Not upheldBanking and PaymentsDRN-4961689 The complaint Mr T complains that Wise Payments Limited (“Wise”) won’t refund money he lost when he fell victim to a cryptocurrency investment scam. Mr T is being represented by solicitors in this complaint. What happened The details of this complaint are well known to bot... (2 pages)View decision -
Decision Reference DRN-4847511
12 Dec 2024 American Express Services Europe Limited (AESEL) Not upheldBanking and PaymentsDRN-4847511 The complaint Miss L complains that American Express Services Europe Limited won’t refund to her the money that she paid for some clothes. What happened Miss L used her American Express cashback credit card to pay £101.74 for some clothes that she bought online in July 2023.... (3 pages)View decision -
Decision Reference DRN-5143086
12 Dec 2024 Black Horse Limited Not upheldConsumer CreditDRN-5143086 The complaint Mr H complains that Black Horse Limited acted unfairly when it repossessed a motorbike that had been supplied to him under a hire purchase agreement it had decided to terminate. What happened In February 2019, Mr H was supplied with a used motorbike through a h... (3 pages)View decision -
Decision Reference DRN-5061314
12 Dec 2024 Skrill Limited Not upheldBanking and PaymentsDRN-5061314 The complaint Mr A complains Skrill Limited (“Skrill”) restricted and closed his account without notification nor explanation. To put things right, Mr A wants his account reopened. What happened The details of this complaint are well known by both parties, so I won’t repeat ... (2 pages)View decision
