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 157456 results
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Decision Reference DRN-5382821
10 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5382821 The complaint Mr L complains that NewDay Ltd irresponsibly lent to him. Mr L is represented by a solicitor’s firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr L himself. What happened Mr L w... (6 pages)View decision -
Decision Reference DRN-5382552
10 Mar 2025 Starling Bank Limited UpheldBanking and PaymentsDRN-5382552 The complaint S, a limited company, complains that Starling Bank Limited (“Starling”) won’t refund money its director lost to a scam. S is represented by its director - Mr P - and I have sometimes referred to him throughout this decision for ease. What happened The detaile... (9 pages)View decision -
Decision Reference DRN-5095029
10 Mar 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5095029 The complaint Mr H complains that HSBC UK Bank Plc won’t reimburse him after he lost money to an investment – that he now considers to have been a scam. Mr H is professionally represented in bringing his complaint, but for ease of reading, I’ll refer to all submissions as be... (3 pages)View decision -
Decision Reference DRN-5092865
10 Mar 2025 TSB Bank plc Not upheldBanking and PaymentsDRN-5092865 The complaint Mr H complains TSB Bank Plc won’t reimburse him after he lost money to an investment – that he now considers to have been a scam. Mr H is professionally represented in bringing his complaint, but for ease of reading, I’ll refer to all submissions as being made ... (3 pages)View decision -
Decision Reference DRN-5319860
10 Mar 2025 Bank of Scotland Plc Not upheldMortgagesDRN-5319860 The complaint Ms K complains that, although she only missed a mortgage payment to Bank of Scotland plc trading as Halifax by a few days, Halifax has recorded this as over a month late. Ms K wanted Halifax to remove this mark from her credit file. What happened Ms K said she ... (3 pages)View decision -
Decision Reference DRN-5222336
10 Mar 2025 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5222336 The complaint Mr D complains that Barclays Bank UK PLC trading as Barclaycard lent to him irresponsibly when it gave him a credit card and increased his credit limit. What happened In May 2019, Barclaycard gave Mr D a credit card with a limit of £1,100. In March 2021, it inc... (3 pages)View decision -
Decision Reference DRN-5015271
10 Mar 2025 National Westminster Bank Plc UpheldBanking and PaymentsDRN-5015271 The complaint Mrs and Mr H complain that National Westminster Bank Plc (“NatWest”) won’t refund £14,000 they lost to a scam. What happened In August 2019, Mrs and Mr H invested in a company - Buy2Let/Raedex Consortium Ltd (“R”) – which leased cars. They found out about the o... (7 pages)View decision -
Decision Reference DRN-5208060
10 Mar 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5208060 The complaint Mr and Mrs S complained because Barclays Bank UK PLC refused to refund them for payments they said they hadn’t made. What happened On 17 May 2024, Mr S was on holiday abroad and went to a club. From around 4am there were payments out of Mr and Mrs S’s joint ac... (3 pages)View decision -
Decision Reference DRN-5376020
10 Mar 2025 Northern Bank Limited Not upheldBanking and PaymentsDRN-5376020 The complaint Mr B complains that Northern Bank Limited trading as Danske Bank (Danske) agreed to lend him money for his sole trader business, only to later change its mind. What happened Mr B told our service that he was told by Danske it was prepared to help him with a bu... (2 pages)View decision -
Decision Reference DRN-5290895
10 Mar 2025 Lendable Ltd Not upheldConsumer CreditDRN-5290895 The complaint Mrs D complains that Lendable Ltd irresponsibly lent her two loans which she couldn’t afford. What happened Mrs D took out a loan with Lendable in January 2018. She borrowed £5,000 plus a fee over a term of four years. The monthly loan repayments were around £1... (3 pages)View decision
