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 122183 results
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Decision Reference DRN-5527326
16 May 2025 Tradex Insurance Company PLC UpheldInsuranceDRN-5527326 The complaint Mr D complains about how Tradex Insurance Company PLC settled a claim he made on his commercial vehicle policy. Reference to Tradex includes its agents. What happened Mr D held a commercial vehicle insurance policy with Tradex. When his van was stolen he made a... (3 pages)View decision -
Decision Reference DRN-4918608
16 May 2025 ClearBank Limited UpheldBanking and PaymentsDRN-4918608 The complaint A complains that ClearBank Limited (Tide) is refusing to refund the amount lost as the result of a scam. To keep things simple, I will refer to A throughout my decision. What happened The background of this complaint is well known to all parties, so I won’t rep... (3 pages)View decision -
Decision Reference DRN-5542681
16 May 2025 Mayfair Capital Limited UpheldPensions and AnnuitiesDRN-5542681 The complaint Mr W has complained that Mayfair Capital Limited (‘MCL’) advised him to invest his pension fund in assets that were not suitable for him. Mr W’s complaint has been brought on his behalf by a representative. What happened I have previously issued a provisional ... (7 pages)View decision -
Decision Reference DRN-5375299
16 May 2025 St. James's Place Wealth Management Plc UpheldInvestmentsDRN-5375299 The complaint Miss P has complained that St James’s Place Wealth Management Plc (‘SJPWM’) misinformed her about the value of her Enterprise Investment Scheme (‘EIS’) which caused her to make a financial decision and led to a financial loss. To put the matter right Miss P wou... (5 pages)View decision -
Decision Reference DRN-5294814
16 May 2025 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5294814 The complaint Miss F complains HSBC UK Bank Plc didn’t do enough to help get a refund for a purchase made on her credit card. What happened In November 2021, Miss F bought a table from a company I’ll call “L” with her HSBC credit card. The supplier experienced delays and ul... (3 pages)View decision -
Decision Reference DRN-5500216
16 May 2025 Equifax Limited UpheldConsumer CreditDRN-5500216 The complaint Miss R is unhappy EQUIFAX LIMITED (Equifax) merged the details of her personal credit file with her sister’s credit file and then failed to let her know this had happened. Miss R is represented in this matter by Mr N. What happened After Miss R’s sister obtai... (3 pages)View decision -
Decision Reference DRN-5541735
16 May 2025 Bank of Scotland Plc UpheldMortgagesDRN-5541735 The complaint Mrs M complains that Bank of Scotland plc trading as Birmingham Midshires Mortgages has unfairly started legal action to take possession of her mortgaged property. She is unhappy because she says she was misled into thinking she could set up a payment arrangeme... (4 pages)View decision -
Decision Reference DRN-5185609
16 May 2025 Capquest Debt Recovery Limited UpheldConsumer CreditDRN-5185609 The complaint Miss W complains Capquest Debt Recovery Limited trading as Erudio Student Loans have unfairly closed her student loan accounts. What happened Miss W said in January 2024 she was served a court order which said her student loans were in arrears and her debt had ... (3 pages)View decision -
Decision Reference DRN-5563936
16 May 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5563936 The complaint Mr T complains that Revolut Ltd won’t refund the money he lost when he was the victim of a scam. What happened In late 2022, Mr T came across an advert on a social media platform for a cryptocurrency investment company endorsed by a well-known public figure. H... (8 pages)View decision -
Decision Reference DRN-5480677
16 May 2025 Oodle Financial Services Limited UpheldConsumer CreditDRN-5480677 The complaint Ms W complains through a representative that Oodle Financial Services Limited (“Oodle”) gave her a hire purchase agreement without carrying out adequate affordability checks. What happened In September 2021, Oodle provided Ms W with a hire purchase agreement f... (5 pages)View decision
