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-5144676
19 Aug 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5144676 The complaint Mr W complains that Bank of Scotland plc, trading as Halifax, won’t refund the money he lost when he fell victim to an investment scam. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overvie... (6 pages)View decision -
Decision Reference DRN-5718694
19 Aug 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5718694 The complaint With the help of a professional representative (PR), Mr S complains that Advantage Finance Ltd lent to him irresponsibly. For ease, I’ll mainly refer to the actions of the PR as being those of Mr S. What happened On 22 June 2019, Mr S entered into a Hire Purcha... (3 pages)View decision -
Decision Reference DRN-5694261
19 Aug 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5694261 The complaint Ms S complains that Santander UK Plc (‘Santander’) won’t refund the money she lost as the result of a scam. What happened The background to this complaint isn’t in dispute, so I won’t go into detail. But, in summary, this is my understanding of the complaint. ... (3 pages)View decision -
Decision Reference DRN-5759881
19 Aug 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5759881 The complaint Mr K, who is represented, complains that Revolut Ltd wouldn’t reimburse him funds he lost after he was the victim of fraud. What happened As the circumstances of this complaint are well-known to both parties, I have summarised them briefly below. In late 2023, ... (5 pages)View decision -
Decision Reference DRN-5754710
19 Aug 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldConsumer CreditDRN-5754710 Complaint Miss B has complained that National Westminster Bank Public Limited Company (“NatWest”) unfairly provided her with unaffordable loans. Background NatWest provided Miss B with four loans. As far as I can see Miss B’s loan history was as follows: Loan Taken Amount ... (15 pages)View decision -
Decision Reference DRN-5753776
19 Aug 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5753776 Complaint Mr M complains that Moneybarn No.1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable. Background In May 2021, Moneybarn pro... (3 pages)View decision -
Decision Reference DRN-5398134
19 Aug 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5398134 Complaint Mr B complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable given his circumstances at the time and so he shouldn’t have been lent ... (3 pages)View decision -
Decision Reference DRN-5693504
19 Aug 2025 Close Brothers Limited Not upheldConsumer CreditDRN-5693504 Complaint Mr S complains that Close Brothers Limited (trading as “Close Brothers” Motor Finance) unfairly entered into a conditional sale agreement with him. Mr S has said that he was treated unfairly as he was accepted for finance which had payments he couldn’t afford. Bac... (5 pages)View decision -
Decision Reference DRN-5710246
19 Aug 2025 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5710246 Complaint Mr W complains that Clydesdale Financial Services Limited (trading as Barclays Partner Finance (“Barclays PF”)) unfairly entered into a conditional sale agreement with him. He’s said that the agreement was unaffordable and that this caused ongoing financial diffic... (5 pages)View decision -
Decision Reference DRN-5635944
19 Aug 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5635944 Complaint Mrs P has complained that Lloyds Bank PLC (“Lloyds”) irresponsibly provided a credit card as well as a subsequent credit limit increase to her. She says that Lloyds provided her with this card and then increased her credit limit to unaffordable levels. She’s said ... (6 pages)View decision
