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 162956 results
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Decision Reference DRN-5028408
31 Jan 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5028408 The complaint Miss K complains that Bank of Scotland plc trading as Halifax didn’t treat her fairly when she requested a refund of payments made with her debit card. What happened Miss K used her Halifax debit card to pay for hotel accommodation and meals in January 2023. T... (4 pages)View decision -
Decision Reference DRN-4859341
31 Jan 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-4859341 The complaint Mr R complains that Wise Payments Limited (Wise) is refusing to refund him the amount he lost as the result of a scam. Mr R is being represented by a third party. To keep things simple, I will refer to Mr R throughout my decision. What happened The background o... (3 pages)View decision -
Decision Reference DRN-5289011
31 Jan 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5289011 The complaint Mr P is unhappy with Monzo Bank Ltd. He said Monzo failed in its duty of care to protect him when his gambling got out of control. Mr P would like Monzo to refund him his gambling losses. What happened Mr P is unhappy with the level of service and care he rec... (3 pages)View decision -
Decision Reference DRN-5235463
31 Jan 2025 Platform Funding Ltd Not upheldMortgagesDRN-5235463 The complaint Mr G complains about the debt recovery fees and solicitors costs charged by Platform Funding Ltd. Mr G also complains that Platform wouldn’t allow him to avail of the Mortgage Charter and that he had to endure poor service when he contacted Platform. What happe... (3 pages)View decision -
Decision Reference DRN-5153741
31 Jan 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5153741 Complaint Miss S has complained about the quality of a car that Advantage Finance Ltd (“Advantage Finance”) supplied to her through a hire-purchase agreement. Background Miss S appears to have raised concerns over the affordability of the agreement and whether Advantage Fin... (9 pages)View decision -
Decision Reference DRN-5250978
31 Jan 2025 Santander UK Plc UpheldBanking and PaymentsDRN-5250978 The complaint Mr S complains about Santander UK Plc. He says that Santander 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. What happened Mr S was looking for work and applying for jobs online, uplo... (4 pages)View decision -
Decision Reference DRN-5236491
31 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5236491 The complaint Mr C complains that Vanquis Bank Limited (‘Vanquis’), irresponsibly granted him a credit card he couldn’t afford to repay and caused him to get into financial difficulties. What happened In August 2013, Mr C entered into an agreement with Vanquis to have acces... (3 pages)View decision -
Decision Reference DRN-5094287
31 Jan 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5094287 The complaint Mr S complains about the way HSBC UK Bank Plc handled his claim under Section 75 (S.75) of the Consumer Credit Act (CCA) 1974. What happened The substance of the S.75 claim in question has already been dealt with in a separate complaint, and is not something I ... (2 pages)View decision -
Decision Reference DRN-4879482
31 Jan 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-4879482 The complaint Mr A has complained that Santander UK Plc has failed to refund him for a purchase he made from a third party. What happened In October 2023, Mr A purchased a headset from a third party store. He’s explained it was faulty, so he went back to the store in Novembe... (2 pages)View decision -
Decision Reference DRN-5276025
31 Jan 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5276025 The complaint Mr H’s complaint is about Revolut Ltd’s refusal to reimburse him money he says he lost due to a scam. Mr H is represented by CEL Solicitors in this matter. However, I will refer to Mr H solely in this decision for ease of reading. What happened The circumstanc... (4 pages)View decision
