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 157006 results
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Decision Reference DRN-5162195
27 Feb 2025 TSB Bank plc UpheldBanking and PaymentsDRN-5162195 The complaint Mrs H is a sole trader and was previously a partner in a partnership that I’ll call B. She complains that TSB Bank plc treated B’s business account unfairly when her husband and business partner passed away. What happened The partners were longstanding business... (3 pages)View decision -
Decision Reference DRN-5051514
27 Feb 2025 Bank of Scotland Plc Not upheldMortgagesDRN-5051514 The complaint Mr and Mrs A complain that Bank of Scotland plc (trading as Halifax) has reported their mortgage account as being in arrears to credit reference agencies. What happened Mr and Mrs A switched their Halifax interest only mortgage to a fixed rate of 2.09% in 2018... (3 pages)View decision -
Decision Reference DRN-5309822
27 Feb 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5309822 The complaint Mr N complains HSBC UK Bank Plc unfairly blocked his account. What happened Mr N held a personal account with HSBC which was opened in May 2024. Mr N also held a separate business account with HSBC under a limited company. This complaint will solely focus on H... (3 pages)View decision -
Decision Reference DRN-4771139
27 Feb 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-4771139 The complaint Ms T complains that Santander UK Plc (Santander) is refusing to refund her the amount she lost as the result of a scam. Ms T has previously been represented by a third party. To keep things simple, I will refer to Ms T throughout my decision. What happened The ... (3 pages)View decision -
Decision Reference DRN-5345606
27 Feb 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5345606 The complaint Mr S complains that Monzo Bank Ltd has refused to refund the money he’s lost as a result of a scam. What happened The parties are familiar with the details of the scam, so I’ll simply summarise what happened here. Mr S spotted an advert on social media for an i... (7 pages)View decision -
Decision Reference DRN-4916693
27 Feb 2025 Revolut Ltd UpheldBanking and PaymentsDRN-4916693 The complaint Mr B complains about Revolut Ltd. He says that Revolut didn’t do enough to protect him when he became the victim of a scam and would like it to refund him the money he has lost as a result. What happened Mr B came across an investment opportunity linked to a ... (3 pages)View decision -
Decision Reference DRN-4733133
27 Feb 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-4733133 The complaint Mr H complains that Santander UK Plc is refusing to refund him the amount he lost as the result of a scam. Mr H is being represented by a third party. To keep things simple, I will refer to Mr H throughout my decision. What happened The background of this compl... (3 pages)View decision -
Decision Reference DRN-5331413
27 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5331413 The complaint Ms B complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Ms B applied for a credit card with Vanquis in July 2012. In her application, Ms B confirmed she was re... (3 pages)View decision -
Decision Reference DRN-5351107
27 Feb 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5351107 The complaint Miss Q complains that Revolut Ltd (Revolut) is refusing to refund her the amount she lost as the result of a scam. What happened The background of this complaint is well known to all parties, so I won’t repeat what happened in detail. In summary, Miss Q was loo... (5 pages)View decision -
Decision Reference DRN-5273435
27 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5273435 The complaint Mr G complains that Vanquis Bank Limited irresponsibly lent to him. Mr G 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 Mr G himself. What happen... (4 pages)View decision
