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 171072 results
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Decision Reference DRN-5602368
7 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5602368 The complaint Mr M complains that NewDay Ltd trading as Fluid have irresponsibly lent to him. Mr M is represented by a claims management company 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 ... (4 pages)View decision -
Decision Reference DRN-5658377
7 Aug 2025 ACI-UK LIMITED Not upheldConsumer CreditDRN-5658377 The complaint Mr J complains ACI-UK Limited have refused to provide him with the Deed of Assignment (DOA) he says they’re required to about a debt they’re asking him to repay. And he says they’ve harassed him when contacting him. What happened As I understand it an account i... (3 pages)View decision -
Decision Reference DRN-5383140
7 Aug 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5383140 The complaint Mr S complains National Westminster Bank Public Limited Company (‘NatWest’) closed his bank account, and he feels he has been discriminated against. To put things right, Mr S would like NatWest to reinstate his account. What happened In November 2023, NatWest... (3 pages)View decision -
Decision Reference DRN-5711989
7 Aug 2025 Gain Credit LLC Not upheldConsumer CreditDRN-5711989 The complaint Mrs P complains that Gain Credit LLC trading as Drafty (“Drafty”) gave her and increased a line of credit without carrying out the appropriate affordability checks which wasn’t sustainable and was detrimental to her financial well-being. What happened Mrs P wa... (5 pages)View decision -
Decision Reference DRN-5524726
7 Aug 2025 Bamboo Limited Not upheldConsumer CreditDRN-5524726 The complaint Mr R complains that Bamboo Limited was irresponsible in its lending to him. He wants all interest removed from his loan. What happened Mr R complained that Bamboo provided him with a top up loan even though he had missed payments on his original loan. He didn’t... (3 pages)View decision -
Decision Reference DRN-5133837
7 Aug 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5133837 The complaint Mr O complains that NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY (“NatWest”), have failed to refund money that he lost as part of an investment scam. What happened Mr O came across a company that purported to be an investment firm, but he says it was actual... (2 pages)View decision -
Decision Reference DRN-5146987
7 Aug 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5146987 The complaint Mr O complains that Revolut Ltd (“Revolut”), have failed to refund money that he lost as part of an investment scam. What happened Mr O came across a company that purported to be an investment firm, but he says it was actually a scammer that I will call C. Mr O... (2 pages)View decision -
Decision Reference DRN-5457142
7 Aug 2025 FirstRand Bank Limited Not upheldConsumer CreditDRN-5457142 The complaint With the help of a professional representative (PR), Mrs V complains that FirstRand Bank Limited trading as Motonovo Finance (Motonovo) lent to her irresponsibly. For ease, I’ll refer to the PR’s actions as being those of Mrs V. What happened Mrs V had the foll... (4 pages)View decision -
Decision Reference DRN-5650788
7 Aug 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldBanking and PaymentsDRN-5650788 The complaint Mr and Mrs R complain that NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY (‘NatWest’) won’t refund the money they 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. In summary, Mr and Mr... (8 pages)View decision -
Decision Reference DRN-5545645
7 Aug 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5545645 The complaint Mr I complains that HSBC UK Bank Plc didn’t do enough to prevent him losing money to a job scam. He is also unhappy with the customer service he received. What happened The detailed background to this complaint is well known to both parties. So, I’ll only prov... (2 pages)View decision
