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-5749574
18 Aug 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5749574 The complaint Mr R is complaining about Revolut Ltd because it declined to refund money he lost as a result of fraud. What happened Sadly, Mr R fell victim to a cruel investment scam after responding to an advert he’d seen online. He made the following transfers from his Rev... (3 pages)View decision -
Decision Reference DRN-5634249
18 Aug 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5634249 The complaint Mrs K and Mr K complain that Bank of Scotland plc trading as Halifax (‘Halifax’) won’t reimburse funds they say were lost in a scam. What happened Mrs K and Mr K hold a joint account with Halifax. In September 2022 Mrs K and Mr K decided to renovate their home... (5 pages)View decision -
Decision Reference DRN-5758528
18 Aug 2025 Bank of Scotland Plc Not upheldMortgagesDRN-5758528 The complaint Ms O complains about buy-to-let mortgages she holds with Bank of Scotland plc trading as Birmingham Midshires. She complains that it has not treated her fairly. What happened In 2006, Ms O took out two buy-to-let mortgages with Birmingham Midshires. She took an... (3 pages)View decision -
Decision Reference DRN-5500497
18 Aug 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5500497 The complaint Miss D complains that Oodle Financial Services Limited trading as Oodle Car Finance (Oodle) lent to her irresponsibly. What happened On 27 January 2020, Miss D entered into a hire purchase agreement with Oodle as shown below, to buy a used car. This agreement ... (3 pages)View decision -
Decision Reference DRN-5747676
18 Aug 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5747676 The complaint Mrs D complains that Nationwide Building Society (‘the Society’) should pay her compensation for blocking her personal account when it applied restrictions to an account she held jointly. What happened Mrs D held a joint account and a personal savings account ... (3 pages)View decision -
Decision Reference DRN-5635553
18 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5635553 The complaint Ms E complains Vanquis Bank Limited (Vanquis) failed to carry out sufficient financial checks before it approved a credit card account for her. What happened Ms E says Vanquis approved a credit card account for her in March 2020 with a credit limit of £250 and ... (3 pages)View decision -
Decision Reference DRN-5726894
18 Aug 2025 Lendable Ltd UpheldConsumer CreditDRN-5726894 The complaint Mr M complains that Lendable Ltd (“Lendable”) lent to him in an irresponsible manner. What happened Mr M was given a single loan by Lendable in September 2018. Including fees, he borrowed a total of £12,490 that he agreed to repay in 60 monthly instalments of ... (4 pages)View decision -
Decision Reference DRN-5760872
18 Aug 2025 CA AUTO FINANCE UK LTD UpheldConsumer CreditDRN-5760872 The complaint Mr E is unhappy that a car supplied to him under a hire purchase agreement with CA Auto Finance UK Ltd (‘CAF’) was of an unsatisfactory quality. What happened In June 2024, Mr E was supplied with a used car through a hire purchase agreement with CAF. he paid a... (5 pages)View decision -
Decision Reference DRN-5760979
18 Aug 2025 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-5760979 The complaint Mrs G complains that American Express Services Europe Limited (AmEx) didn’t sufficiently check whether she could sustain the repayments before agreeing to two credit card accounts and subsequent credit limit increases. In bringing her complaint Mrs G is represe... (4 pages)View decision -
Decision Reference DRN-5760824
18 Aug 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5760824 The complaint Mr D complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in a provisional decisi... (4 pages)View decision
