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-5278806
31 Jul 2025 Evergreen Finance London Limited UpheldConsumer CreditDRN-5278806 The complaint Mrs P complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) lent to her when she could not afford to repay it. What happened Mrs P took one loan with MoneyBoat just before Christmas in December 2023. It was for £500, the tota... (3 pages)View decision -
Decision Reference DRN-5663575
31 Jul 2025 TIDE PLATFORM LTD Not upheldBanking and PaymentsDRN-5663575 The complaint S complains that Tide Platform Ltd won’t refund money they say they lost to an investment scam. S is being supported in making their complaint by a representative. But for ease, I’ll only refer to S in this decision. What happened The background to this complai... (5 pages)View decision -
Decision Reference DRN-5497451
31 Jul 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5497451 The complaint Ms M has complained about credit limit increases Barclays Bank UK PLC trading as Barclaycard (“Barclaycard”) provided to her. Ms M says she was barely making the minimum repayment amounts and so the increases were unaffordable. Ms M has also said the interest r... (7 pages)View decision -
Decision Reference DRN-5508393
31 Jul 2025 Barclays Bank UK PLC Not upheldMortgagesDRN-5508393 The complaint Mr S and Mrs T complain that Barclays Bank UK PLC gave them incorrect information about when an early repayment charge (ERC) would apply if they repaid their buy-to-let mortgage. What happened In 2020, Mr S and Mrs T took out a buy-to-let mortgage with Barclays... (3 pages)View decision -
Decision Reference DRN-5723303
31 Jul 2025 First Holiday Finance Ltd Not upheldConsumer CreditDRN-5723303 The complaint Mr A and Mrs F’s complaint is, in essence, that First Holiday Finance Ltd (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) an... (12 pages)View decision -
Decision Reference DRN-5681628
31 Jul 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5681628 The complaint Miss M complains Barclays Bank UK PLC’s IT outage meant she overspent and went into an unarranged overdraft. What happened There was an IT outage at Barclays over the weekend of 31 January to 2 February 2025. Miss M received a payment of £900 on 31 January 20... (3 pages)View decision -
Decision Reference DRN-5545945
31 Jul 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5545945 The complaint Mr S complains that Bank of Scotland plc, trading as Halifax (‘Halifax’), won’t refund the money he lost as a result of what he believes was an ‘Authorised Push Payment’ (‘APP’) property investment scam. Mr S brings his complaint with the assistance of a profe... (4 pages)View decision -
Decision Reference DRN-4975142
31 Jul 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-4975142 The complaint Miss A is unhappy Wise Payments Limited (“Wise”) hasn’t reimbursed her after she fell victim to an employment scam. What happened The circumstances that led to this complaint are well known to both parties, so I won’t repeat them in detail again here. However, ... (3 pages)View decision -
Decision Reference DRN-5689951
31 Jul 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5689951 The complaint Mr H complains Bank of Scotland plc (“Bank of Scotland”) didn’t do enough to protect him when he fell victim to a cryptocurrency investment scam. Mr H referred his complaint to us using a professional representative for ease I will refer to Mr H throughout. W... (5 pages)View decision -
Decision Reference DRN-5724231
31 Jul 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5724231 The complaint The estate of Mr H complains that NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY closed an account without consent. Mr H1 is the representative of the estate. What happened Mr H passed away in 2012. In April 2015 NatWest contacted Mr H1 regarding closure of t... (3 pages)View decision
