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 162957 results
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Decision Reference DRN-5366500
4 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5366500 The complaint In summary, Mr L complains that Vanquis Bank Limited, provided him with a credit card and credit limit increases that he wasn’t able to afford. In bringing the complaint, Mr L is represented by a business that I will refer to as P. What happened In 2009, Mr L... (5 pages)View decision -
Decision Reference DRN-5095024
4 Mar 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5095024 The complaint Mr H complains that Clydesdale Bank Plc trading as Virgin Money won’t reimburse him after he lost money to an investment – that he now considers to have been a scam – whereby he sent money to an account held at Virgin Money. Mr H is professionally represented i... (3 pages)View decision -
Decision Reference DRN-5340396
4 Mar 2025 Santander UK Plc UpheldBanking and PaymentsDRN-5340396 The complaint Mr M is unhappy Santander UK Plc (“Santander”) sent him a letter about an ATM dispute in the wrong size font despite him making it aware of his needs. What happened On 8 August 2024 Santander sent a letter to Mr M about a dispute he’d raised but it was in the s... (2 pages)View decision -
Decision Reference DRN-5309236
4 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5309236 The complaint Ms M complains that Vanquis Bank Limited irresponsibly lent to her. Ms M is represented by a solicitors 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 Ms M herself. What happen... (3 pages)View decision -
Decision Reference DRN-5329637
4 Mar 2025 Yorkshire Building Society Not upheldMortgagesDRN-5329637 The complaint This complaint is about a mortgage and offset savings account (OSA) Mr V and Ms P hold with Yorkshire Building Society (YBS). The essence of the complaint is that after having allowed Mr V and Ms P to set up a direct debit to pay the mortgage from the OSA, YBS ... (5 pages)View decision -
Decision Reference DRN-5311871
4 Mar 2025 Clydesdale Bank Plc Not upheldMortgagesDRN-5311871 The complaint Mr N’s complaint is about two buy-to-let (BTL) mortgages. Mr N is unhappy that, after Clydesdale Bank Plc wasn’t able to offer him new mortgages when his existing mortgages reached the end of their terms, a broker was able to source new mortgages for him, throu... (2 pages)View decision -
Decision Reference DRN-4784462
4 Mar 2025 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4784462 The complaint Mr M complaints that Monzo Bank Ltd (Monzo) won’t refund the money he lost to a scam. What happened I’ve included a table of the disputed payments: Date & Time Transaction Amount 22/9/23 20:30 Card payment to cryptocurrency exchange (B) -£100 23/9/23 20:5... (7 pages)View decision -
Decision Reference DRN-5369231
4 Mar 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5369231 The complaint In summary, Mr K complains about the provision of an overdraft on his current account, by Bank of Scotland Plc, trading as Halifax. He has asked for a refund of all interest and charges incurred as a result of having the overdraft. In bringing his complaint, ... (8 pages)View decision -
Decision Reference DRN-5365692
4 Mar 2025 Oodle Financial Services Limited UpheldConsumer CreditDRN-5365692 The complaint Mr O complains about the quality of a used car he acquired through a hire purchase agreement with Oodle Financial Services Limited trading as Oodle Car (‘Oodle’). Mr O says that the car wasn’t of satisfactory quality as he had significant problems with it from ... (6 pages)View decision -
Decision Reference DRN-5316296
4 Mar 2025 Intelligent Lending Limited UpheldMortgagesDRN-5316296 The complaint Mr C has complained that he was mis-sold a second charge mortgage by Intelligent Lending trading as Ocean. He has said that he feels Ocean recommended the mortgage that it would be paid the most for, rather than what was best for him. Mr C has said he doesn’t t... (4 pages)View decision
