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 157456 results
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Decision Reference DRN-4483900
22 Oct 2024 Revolut Ltd UpheldBanking and PaymentsDRN-4483900 The complaint Mr O complains that Revolut Ltd didn’t do enough to protect him from the financial harm caused by an investment scam, or to help him recover the money once he’d reported the scam to it. What happened The detailed background to this complaint is well known to b... (10 pages)View decision -
Decision Reference DRN-4783226
22 Oct 2024 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4783226 The complaint Mr S has complained that The Royal Bank of Scotland Plc (‘RBS’) closed his credit card, after he informed it he was unable to repay the balance back in six months. What happened Mr S had a credit card account with RBS. It contacted him a number of times, to exp... (2 pages)View decision -
Decision Reference DRN-5075407
22 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5075407 The complaint Miss J complains that NewDay Ltd trading as Pulse (‘Pulse’) misled her by terminating her credit card account during an active period of breathing space, when they said they wouldn’t. To put things right Miss J would like Pulse to reinstate her credit card acc... (6 pages)View decision -
Decision Reference DRN-5097027
22 Oct 2024 Revolut Ltd UpheldBanking and PaymentsDRN-5097027 The complaint Miss G complains that Revolt ltd hasn’t refunded her after she fell victim to a scam. What happened I issued a provisional decision for this complaint on 27 September 2024. I’ve included a copy of it at the end of this decision, in italics. Miss G responded to ... (8 pages)View decision -
Decision Reference DRN-5051844
22 Oct 2024 Santander UK Plc UpheldBanking and PaymentsDRN-5051844 The complaint Mr M complains about the service he received from Santander UK Plc (“Santander”) when it applied restrictions to his account. Mr M says Santander hasn’t been transparent as to why his account was under review and that he had no access to his income and that pay... (3 pages)View decision -
Decision Reference DRN-5084648
22 Oct 2024 Curve UK Limited UpheldBanking and PaymentsDRN-5084648 The complaint Mr D complains Curve UK Limited (Curve) provided poor customer service when it blocked his account. What happened Mr D says in late June 2024 he experienced issues using his Curve card and was unable to make transactions for almost two weeks. Mr D says he event... (2 pages)View decision -
Decision Reference DRN-5096944
22 Oct 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-5096944 The complaint and what happened Mr H has complained about Creation Consumer Finance Ltd’s (‘Creation’) response to a claim he made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’) and in relation to allegations of an unfair relationship taking in to acco... (6 pages)View decision -
Decision Reference DRN-4963010
22 Oct 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4963010 The complaint Mr W is a sole trader. He complains that HSBC UK Bank Plc behaved unreasonably when it reduced the overdraft facility on the account he held with the bank. What happened Mr W held a business current account with HSBC with an overdraft facility of £30,000. Mr ... (4 pages)View decision -
Decision Reference DRN-4800698
22 Oct 2024 Black Horse Limited Not upheldConsumer CreditDRN-4800698 The complaint Mr O complains that Black Horse Limited trading as Jaguar Financial Services (“Black Horse”) has added unfair charges to his account at the end of a hire purchase agreement. And he also complains that, as a result of those charges not being paid, Black Horse ha... (3 pages)View decision -
Decision Reference DRN-4780585
22 Oct 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4780585 The complaint Mr A has complained that Lloyds Bank PLC has unfairly closed his credit card account. What happened Mr A had a credit card with Lloyds, but it closed the account due to missed repayments. This was also recorded on his credit file. Mr A feels this was unfair, be... (2 pages)View decision
