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-5572647
12 Aug 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5572647 The complaint Mr S complains Revolut Ltd (‘Revolut’) closed his account and won’t open a new a one for him. What happened Mr S had an account with Revolut. In August 2021, Revolut asked Mr S for some information to conduct source of funds checks. It asked Mr S for evidence ... (5 pages)View decision -
Decision Reference DRN-5711965
12 Aug 2025 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-5711965 The complaint Mr L complains that Specialist Motor Finance Limited (SMFL) acted irresponsibly by failing to complete sufficient affordability checks before agreeing to lend to him. What happened In February 2024, Mr L acquired a used car financed through a Hire Purchase Agre... (5 pages)View decision -
Decision Reference DRN-5724429
12 Aug 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5724429 The complaint Mr and Mrs C, who are represented by a third party, complain that Nationwide Building Society (‘Nationwide’) irresponsibly provided them with an overdraft they couldn’t afford to repay sustainably. What happened In June 2009 Nationwide agreed to provide Mr and... (4 pages)View decision -
Decision Reference DRN-5710315
12 Aug 2025 NatWest Markets Plc Not upheldBanking and PaymentsDRN-5710315 The complaint Mr S complains about the service he received from NatWest Markets Plc trading as Sainsburys Bank (SB”) when a block was applied to his account. What happened Mr S holds a credit card account with SB. On 1 May 2025 SB applied a block to the account. Mr S contact... (2 pages)View decision -
Decision Reference DRN-5563251
12 Aug 2025 Barclays Bank UK PLC Not upheldMortgagesDRN-5563251 The complaint Miss B complains that Barclays Bank UK PLC has failed to help her after she lost money that she borrowed on her Barclays mortgage to a scam. What happened Miss B has a mortgage with Barclays. In 2018 she applied for further borrowing. She believed the money wou... (3 pages)View decision -
Decision Reference DRN-5365066
12 Aug 2025 Moneybarn Limited Not upheldConsumer CreditDRN-5365066 The complaint Mr B is unhappy with the quality of a car financed by Moneybarn Limited using a conditional sale agreement. What happened In September 2023, Mr B entered into a conditional sale agreement with Moneybarn for a used car. The car was around ten years old and had b... (2 pages)View decision -
Decision Reference DRN-5655641
12 Aug 2025 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-5655641 The complaint Mr P complains that Link Financial Outsourcing Limited trading as Antelope Loans was irresponsible in its lending to him. What happened Mr P said he impulsively applied for a £5,000 loan in November 2024. He said this should not have been provided to him as he ... (2 pages)View decision -
Decision Reference DRN-5746264
12 Aug 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5746264 Complaint Mr D has complained about the overdraft charges Lloyds Bank PLC (“Lloyds”) applied to his account. Mr D is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr D’s account were unfair as there was a... (5 pages)View decision -
Decision Reference DRN-5715729
12 Aug 2025 TSB Bank plc UpheldBanking and PaymentsDRN-5715729 The complaint Mr S complains about the service provided by TSB Bank plc when it blocked a payment he wanted to make until he phoned to complete further security checks. To put things right Mr S would like TSB to pay him more substantial financial redress than the £50 it offe... (4 pages)View decision -
Decision Reference DRN-5506679
12 Aug 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5506679 The complaint Mr H complains that Wise Payments Limited (Wise) will not refund him for failed cash withdrawals despite the money being debited from his account. What happened Mr H states that on 4 October 2024 he attempted to make a cash withdrawal from an Automated Teller ... (5 pages)View decision
