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 163568 results
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Decision Reference DRN-5267556
20 Mar 2025 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5267556 The complaint Mr Y complains that Barclays Bank UK Plc (Barclays) lent to him irresponsibly. What happened Mr Y has an overdraft with Barclays, it’s unclear when the initial lending decision was made but it appears Mr Y had an overdraft limit (including some sort of reserve... (6 pages)View decision -
Decision Reference DRN-5400828
20 Mar 2025 Clydesdale Bank Plc Not upheldMortgagesDRN-5400828 The complaint Mr C complains about how Clydesdale Bank Plc trading as Yorkshire Bank registered its charge over his property in connection with his mortgage. What happened Mr C took out a mortgage with Yorkshire in 2007. He borrowed around £60,000 over 25 years on interest o... (3 pages)View decision -
Decision Reference DRN-5412161
20 Mar 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5412161 The complaint Mr R complains about the service he received from Revolut when it blocked a payment of £10,000 that Mr R intended to invest. Mr R says he authorised the payment in Revolut’s app, but it wouldn’t allow him to proceed and failed to assist him or advise him what h... (4 pages)View decision -
Decision Reference DRN-4413974
20 Mar 2025 eBay Commerce UK Ltd UpheldBanking and PaymentsDRN-4413974 The complaint Mr M has complained that eBay Commerce UK Ltd (“eBay”) placed restrictions on his account that prevented him from withdrawing money from his eBay payment account. What happened To verify Mr M’s bank details, Mr M says that eBay sent him two micro deposits to h... (5 pages)View decision -
Decision Reference DRN-5412006
20 Mar 2025 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-5412006 The complaint Mr H is unhappy American Express Services Europe Limited (Amex) did not tell him that his Direct Debit for his credit card had not been set up. What happened I set out the background to this complaint in more detail in my provisional decision which both partie... (7 pages)View decision -
Decision Reference DRN-5409835
20 Mar 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5409835 The complaint Mrs R complains that Lloyds Bank PLC misled her over how often she would receive statements on her account and have failed to send her the statement they promised. What happened Mrs R held a passbook account which Lloyds chose to discontinue. It wrote to all af... (3 pages)View decision -
Decision Reference DRN-4747251
20 Mar 2025 American Express Services Europe Limited UpheldBanking and PaymentsDRN-4747251 The complaint Mr L complains about how American Express Services Europe Limited (AESEL) came to the decision that his credit card account (“account”) should be closed. What happened On 7 August 2023 AESEL blocked Mr L’s credit card following a review. This review was trigger... (4 pages)View decision -
Decision Reference DRN-5114402
20 Mar 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5114402 The complaint C, a limited company, complains National Westminster Bank Plc (NatWest) blocked its account. C is represented by Mr T, a director. What happened C was contacted by NatWest as it needed to carry out a review. NatWest asked for various things from C and, at tim... (4 pages)View decision -
Decision Reference DRN-5407883
20 Mar 2025 Barclays Bank UK PLC UpheldMortgagesDRN-5407883 The complaint Mr T complains that Barclays Bank UK PLC told him it would adjust the amount it was lending to him, to match the balance of the mortgage being repaid, but that it didn’t do this. Mr T says this has caused him a financial loss and also unnecessary frustration. W... (5 pages)View decision -
Decision Reference DRN-5402123
20 Mar 2025 Harvey & Thompson Limited UpheldConsumer CreditDRN-5402123 The complaint With the help of a professional representative (PR) Miss D complains that Harvey & Thompson Limited trading as H & T Pawnbrokers (H&T) lent to her irresponsibly and created an unfair credit relationship by doing so. For ease, I’ll refer mainly to th... (6 pages)View decision
