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 170827 results
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Decision Reference DRN-5722528
18 Aug 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5722528 The complaint R, a limited company, complains that when it wanted to clear a secured loan, Lloyds Bank PLC provided a release which was not fit for purpose, then refused to sign a different release until R paid for Lloyds’ lawyers to check it. Mr L brings this complaint on b... (4 pages)View decision -
Decision Reference DRN-5483293
18 Aug 2025 Lendable Ltd UpheldConsumer CreditDRN-5483293 The complaint Mr M complains about the quality of a car he acquired under a hire purchase agreement with Lendable Ltd trading as Autolend (Autolend). When I refer to what Mr M and Autolend have said and/or done, it should also be taken to include things said and/or done on ... (6 pages)View decision -
Decision Reference DRN-5750196
18 Aug 2025 Santander UK Plc UpheldMortgagesDRN-5750196 The complaint Mr O told us his house purchase fell through, leaving him with substantial costs for a failed transaction. He complains that this was all the fault of Santander UK Plc, because it made a mistake in his mortgage offer. What happened Mr O said that he was moving ... (5 pages)View decision -
Decision Reference DRN-5602962
18 Aug 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5602962 The complaint Mr T has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In December 2024 Monzo received fraud reports from other banks about payments made into Mr T’s Monzo account. These payments were ... (2 pages)View decision -
Decision Reference DRN-5501581
18 Aug 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5501581 The complaint Mr U complains that the car he acquired financed through a hire purchase agreement with Oodle Financial Services Limited wasn’t of satisfactory quality. Mr U is represented in this complaint. However, for the sake of simplicity in this decision I have referred ... (3 pages)View decision -
Decision Reference DRN-5579687
18 Aug 2025 American Express Services Europe Limited UpheldBanking and PaymentsDRN-5579687 The complaint Mr I has complained American Express Services Europe Limited lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In June 2024 Mr I applied for a credit card with Amex. He was granted a credit limit of £3,200. In the f... (2 pages)View decision -
Decision Reference DRN-5740189
18 Aug 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5740189 The complaint Mr D complains about the service received from Clydesdale Bank PLC trading as Virgin Money (“Virgin Money”) regarding the return of a payment he made in error for £10,000 into an old account he held that had been closed and reallocated. What happened Mr D held... (3 pages)View decision -
Decision Reference DRN-5736439
18 Aug 2025 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5736439 The complaint Miss T has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in her name. What happened Miss T found her main bank account had an alert for potential fraudulent activity and realised her ex-boyfriend had been misusin... (2 pages)View decision -
Decision Reference DRN-5697330
18 Aug 2025 Stellantis Financial Services UK Limited Not upheldConsumer CreditDRN-5697330 The complaint Mr G’s complaint is that Stellantis Financial Services UK Limited irresponsibly provided him with an unaffordable hire purchase agreement. What happened Stellantis (at the time PSA Finance UK Limited) approved Mr G for a hire purchase agreement with the followi... (4 pages)View decision -
Decision Reference DRN-5760540
18 Aug 2025 Landmark Mortgages Limited Not upheldMortgagesDRN-5760540 The complaint Mr V complains about the way that Landmark Mortgages Limited has administered his mortgage. What happened In 2006, Mr V took out a mortgage with Northern Rock. He borrowed around £190,000 on an interest only basis over a term of 23 years. The mortgage was on an... (15 pages)View decision
