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 162956 results
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Decision Reference DRN-4844328
5 Mar 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4844328 The complaint Miss R complains that Clydesdale Bank Plc trading as Virgin Money (as the recipient bank) didn’t do enough to prevent her losing money to a scam. Miss R has used a representative to bring her complaint. But for ease of reading, I’ll mostly just refer to Miss R... (2 pages)View decision -
Decision Reference DRN-4936621
5 Mar 2025 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4936621 The complaint Mr A complains about the quality of a used car he acquired through a conditional sale agreement with Moneybarn No. 1 Limited (‘Moneybarn’). Mr A says that there were ongoing problems with the car shortly after he acquired it. He doesn’t think the car is fit for... (5 pages)View decision -
Decision Reference DRN-5111735
5 Mar 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5111735 The complaint Mr and Mrs U complain that Lloyds Bank PLC did not handle their chargeback request properly. What happened Mr and Mrs U bought a set of self-assembly furniture from a retailer. They paid for it using a buy now pay later payment processor I will call K which was... (2 pages)View decision -
Decision Reference DRN-5301105
5 Mar 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5301105 The complaint Ms A complains that Bank of Scotland plc trading as Halifax flagged a payment she was trying to make as requiring additional checks. She was asked to attend the branch and subsequently the police were called, and she was caused distress and inconvenience. What... (4 pages)View decision -
Decision Reference DRN-4832590
5 Mar 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4832590 The complaint Mr P is unhappy Monzo Bank Ltd closed his account during a period of financial difficulty. What happened Mr P has told us: Mr P had an account with Monzo. In April 2023 he asked to increase his overdraft limit because he was in financial difficulties. Monzo... (4 pages)View decision -
Decision Reference DRN-5372585
5 Mar 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5372585 The complaint Mr B complains Oodle Financial Services Limited trading as Oodle Car Finance (Oodle) supplied him with a car that he believes wasn’t of satisfactory quality. What happened In October 2022, Mr B entered into a 60 month hire purchase finance agreement with Oodle... (4 pages)View decision -
Decision Reference DRN-5318305
5 Mar 2025 Bank of Scotland Plc Not upheldMortgagesDRN-5318305 The complaint Ms N’s complaint arises from her mortgage account held with Bank of Scotland plc (BOS). Ms N is unhappy that a late payment marker was recorded on her credit file, and that she was given inaccurate information about this when she spoke to the bank. To settle th... (3 pages)View decision -
Decision Reference DRN-4836561
5 Mar 2025 Lendable Ltd UpheldConsumer CreditDRN-4836561 The complaint Mrs S complains about a car supplied to her using a hire purchase agreement taken out with Lendable Ltd trading as Autolend (“Autolend”). What happened Mrs S referred a complaint to us along with her representative. As the complainant is Mrs S, for ease, I hav... (5 pages)View decision -
Decision Reference DRN-4915674
5 Mar 2025 Stellantis Financial Services UK Limited Not upheldConsumer CreditDRN-4915674 The complaint Mrs S complains that a car she financed through an agreement with Stellantis Financial Services UK Limited, trading as Vauxhall Finance, was mis-sold to her, that the business failed to explain her termination options adequately and that the vehicle supplied wa... (3 pages)View decision -
Decision Reference DRN-5359682
5 Mar 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5359682 The complaint Mr H has complained about two overdrafts Lloyds Bank PLC (“Lloyds”) provided to him. He says both overdrafts were unaffordable, from the outset and subsequently, and this could and should have been apparent to Lloyds from the outset and subsequently. What happ... (3 pages)View decision
