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 171073 results
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Decision Reference DRN-5839503
23 Oct 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5839503 The complaint Mr H has complained that Santander UK Plc “Santander” declined his claim for money back in relation to some motorised blinds he purchased with his Santander credit card. What happened The circumstances leading up to this claim aren’t disputed so I’ve only brie... (4 pages)View decision -
Decision Reference DRN-5902159
23 Oct 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5902159 The complaint M, a limited company, complains that Revolut Limited declined to open an account for them, saying that M operates in a prohibited industry. M disputes this and feels that they’ve been discriminated against. M is represented by their director, Miss H. What hap... (3 pages)View decision -
Decision Reference DRN-5880236
23 Oct 2025 Santander UK Plc UpheldMortgagesDRN-5880236 The complaint Mr M and Ms K complain about the way Santander UK Plc dealt with Mr M’s application to transfer the mortgage from their joint names into his sole name. What happened Mr M and Ms K have separated. A court order requires Mr M to use his best endeavours to release... (3 pages)View decision -
Decision Reference DRN-5889077
23 Oct 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5889077 The complaint Mr M complains that Capital One (Europe) plc unfairly defaulted his account. What happened Mr M has a credit card account with Capital One. Due to financial and personal difficulties, his account fell into arrears. Mr M says he kept in touch with Capital One, h... (3 pages)View decision -
Decision Reference DRN-5767642
23 Oct 2025 Blue Motor Finance Ltd UpheldConsumer CreditDRN-5767642 The complaint Mrs O complains that the car she acquired through Blue Motor Finance Ltd (“BMF”) wasn’t of satisfactory quality. She says the car turned out to have faults after she acquired it and it has been in the garage for months. She wants to reject the car and unwind th... (5 pages)View decision -
Decision Reference DRN-5876788
23 Oct 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5876788 The complaint Mr S complains that Bank of Scotland (“BoS”) acted irresponsibly when it granted him an overdraft and subsequent increase and failed to consider patterns of reliance on debt and hardcore borrowing What happened Mr S has held a current account with BoS for a num... (5 pages)View decision -
Decision Reference DRN-5400296
23 Oct 2025 New Wave Capital Limited Not upheldBanking and PaymentsDRN-5400296 The complaint Mr L is unhappy that New Wave Capital Limited trading as “Capital on Tap” is pursuing him for the repayment of a debt under a personal guarantee he’s said he didn’t agree to. What happened Mr L was the director and owner of a limited company – “L”. in October ... (3 pages)View decision -
Decision Reference DRN-5871516
23 Oct 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5871516 The complaint Mrs N complains that Barclays Bank UK PLC refused to pursue her chargeback request. What happened Mrs N purchased a piece of furniture from a merchant at a cost of £269.21. She paid this in instalments using an intermediary I will call C. She made four payment... (2 pages)View decision -
Decision Reference DRN-5878400
23 Oct 2025 Black Horse Limited UpheldConsumer CreditDRN-5878400 The complaint Ms D, who is represented by her partner, complains that Black Horse Limited has not agreed to suitable recompense for a faulty car. What happened In December 2023 Ms D purchased a second-hand car at a cost of £9,000 funded by a deposit of £100 and the balance b... (5 pages)View decision -
Decision Reference DRN-5888313
23 Oct 2025 Santander UK Plc Not upheldMortgagesDRN-5888313 The complaint Mr K and X complain about how Santander UK Plc has applied an early repayment charge to their mortgage. What happened In 2014 Mr K and X took a mortgage with Santander. They borrowed £255,000 on part interest only and part repayment terms over 14 years. Their i... (6 pages)View decision
