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 123872 results
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Decision Reference DRN-5706991
22 Jul 2025 American Express Services Europe Limited UpheldBanking and PaymentsDRN-5706991 The complaint Mr J complains American Express Services Europe Limited (AESEL) should have done more to recover money he paid for a cancelled subscription service. What happened I issued my provisional decision on 7 July 2025. An extract from that decision can be found below... (3 pages)View decision -
Decision Reference DRN-5329802
22 Jul 2025 EGR WEALTH LIMITED UpheldInvestmentsDRN-5329802 The complaint Mr D complains that an appointed representative (AR) of EGR Wealth Limited (EGR) misled his into making an investment into a highly speculative mini bond. He says the AR gave his advice, even though he now knows it was not approved to do so, and EGR should be h... (11 pages)View decision -
Decision Reference DRN-5277292
22 Jul 2025 EGR WEALTH LIMITED UpheldInvestmentsDRN-5277292 The complaint Mrs D complains that an appointed representative (AR) of EGR Wealth Limited (EGR) misled her into making an investment into a highly speculative mini bond. She says the AR gave her advice, even though she now knows it was not approved to do so, and EGR should b... (11 pages)View decision -
Decision Reference DRN-5704105
22 Jul 2025 Madison CF UK Limited UpheldBanking and PaymentsDRN-5704105 The complaint Mr S complains that Madison CF UK Limited trading as 118 118 Money (‘118’) defaulted and assigned his credit card account when he had a payment plan with them. Mr S wants the default to be removed from his credit file and for 118 to bring the account back from... (4 pages)View decision -
Decision Reference DRN-5630167
22 Jul 2025 Investec Wealth & Investment Limited UpheldPensions and AnnuitiesDRN-5630167 The complaint Mrs M has complained that advice from Investec Wealth & Investment Limited relating to a pension policy caused her to suffer tax charges unnecessarily, and it failed to resolve these tax related issues in a timely manner. What happened I have previously is... (8 pages)View decision -
Decision Reference DRN-5607579
22 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5607579 The complaint Miss S complains that NewDay Ltd trading as Aqua irresponsibly lent to her. Miss S is represented by a solicitor’s firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Miss S herself... (4 pages)View decision -
Decision Reference DRN-5651697
22 Jul 2025 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5651697 The complaint Mr A complains Barclays Bank UK PLC’s IT outage caused him unnecessary inconvenience. What happened Mr A received his wages on 31 January 2025, whilst there was an IT outage at Barclays. Mr A says his card was declined in a restaurant, bills went unpaid, so h... (3 pages)View decision -
Decision Reference DRN-5651826
22 Jul 2025 Shawbrook Bank Limited UpheldConsumer CreditDRN-5651826 The complaint Mr and Mrs H complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) d... (27 pages)View decision -
Decision Reference DRN-4947582
22 Jul 2025 Revolut Ltd UpheldBanking and PaymentsDRN-4947582 The complaint Mr H complains that Revolut Ltd (“Revolut”) won’t refund the money he lost to an investment scam. What happened Mr H says he came across the fraudulent investment advertisement for a business I’ll refer to as ‘B’ on a social media site. The advertisement showed... (7 pages)View decision -
Decision Reference DRN-5706625
22 Jul 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5706625 The complaint Mr B complains that Revolut Ltd won’t refund payments he made as a result of a scam. What happened Mr B was the victim of an investment scam involving the following payments from his newly opened Revolut account: Ref. Date Description Amount 1 28 March 2023 Ca... (10 pages)View decision
