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 185689 results
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Decision Reference DRN-6243496
14 Apr 2026 Topaz Finance Limited Not upheldMortgagesDRN-6243496 The complaint Mrs D’s complaint is that it is unfair for Topaz Finance Limited (trading as Hyalite Mortgages) to continue to pursue her for a mortgage shortfall debt. To settle the complaint Mrs D would like the Financial Ombudsman Service to do the following: - direct Hyal... (3 pages)View decision -
Decision Reference DRN-6220139
14 Apr 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-6220139 The complaint Mr G complains that HSBC UK Bank Plc closed his account and didn’t tell him the reason. He would like his account reinstated or a new account opened. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here.... (2 pages)View decision -
Decision Reference DRN-6210601
14 Apr 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-6210601 The complaint A, a company, complains that HSBC UK Bank Plc declined to provide business banking facilities and lending. It closed A’s account and restricted access to it. A would like HSBC to reverse these decisions. A is represented by its director Mr G. What happened Th... (3 pages)View decision -
Decision Reference DRN-6203393
14 Apr 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-6203393 The complaint Mr D has complained about Wise Payments Limited’s (“Wise”) handling of two balance deposits. What happened On 13 September 2025, Mr D set up a 370 US Dollar balance deposit. The balance deposit was set up so that it would be funded by Euros and Wise would then ... (4 pages)View decision -
Decision Reference DRN-6285771
14 Apr 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6285771 The complaint Mr H complains that Revolut Ltd has declined to refund disputed transactions that were made from his account. What happened On 11 and 12 February 2026, a number of Automated Teller Machine (ATM) withdrawals totalling £2,097.80 were made using Mr H’s Revolut deb... (3 pages)View decision -
Decision Reference DRN-6246167
14 Apr 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-6246167 The complaint Mr N has complained about how Lloyds Bank Plc (Lloyds) handled a refund claim he made. What happened As all parties are familiar with this complaint, I’ll only summarise the key background where necessary within my findings below. What I’ve decided – and why I’... (4 pages)View decision -
Decision Reference DRN-6266769
14 Apr 2026 Motability Operations Limited UpheldConsumer CreditDRN-6266769 The complaint Miss G complains about the quality of a car she has been financing through an agreement with Motability Operations Limited trading as Motability Operations (who I’ll call ‘MO’). What happened The detailed background to this complaint is well known to both parti... (3 pages)View decision -
Decision Reference DRN-6164073
14 Apr 2026 THE ROYAL BANK OF SCOTLAND PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-6164073 The complaint Mr W complains that The Royal Bank of Scotland Plc (“RBS”) won’t refund the full amount of money he lost to a scam. What happened The background to this complaint is well-known to both parties, so I won’t repeat it in detail here. But in summary and based on th... (3 pages)View decision -
Decision Reference DRN-6242743
14 Apr 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-6242743 The complaint Mr R complains that NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY (NatWest) will not reimburse him money he says he lost in an investment scam. What happened The circumstances surrounding this complaint are well known to both parties, so I will not set them ... (2 pages)View decision -
Decision Reference DRN-5927258
14 Apr 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5927258 The complaint Miss M complains that HSBC UK Bank Plc (HSBC) won’t refund money she lost when she was the victim of a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat everything here. In summary, Miss M fell victim to a ta... (4 pages)View decision